We didn’t think that as ordinary Australians we would be able to reach our lifestyle retirement goals as we do not have millions ….Jose’s thorough understanding of our situation has enabled us to lead the lifestyle that we required. We travel to Europe every couple of years and actively participate with the community through our volunteer work, things that we did not think were possible.

More importantly though is how the headaches of dealing with Government departments, and investments, and the ease with which any issue is handled allows us to have a stress free retirement."​

Before we met Jose of JMM Financial Planners, we had no idea if we had enough money to retire, what our entitlements could be, how to best manage our retirement nest egg. We’d never received financial advice because our supers where always handled through our employers and we focused on work and saving funds.

As retirement approached we met with Jose, who explained that his advice can make a big difference for average people like us, the numbers were daunting, and the tax calculations concerned us deeply. He quickly put our concerns to rest with his retirement income snapshot, looked at our tax position and managed to save us $27,000 of tax that we thought we had to pay. He sorted out our situation, gained benefits that we werent getting and gave us the exact steps we needed to meet our retirement goals.

Now, we receive monthly payment straight into our bank account. We know we have enough money. Now we are planning our holidays, updated our home and have peace of mind knowing that we can do those things we dreamt about doing.”​

Pre-retiree on Part Centrelink benefits substantial investment assets extended deeming and assets test meant that nest egg was been depleated very quickly.

Through a simple restucture we managed to gain additional benefits from Centrelink whilst still meeting income needs and catering for any unexpected expenditure.

The value of this advice essentially means that this client is 10,000 better of per annum.