Greg, 65+ years, Castle Hill, NSW

“A Heartfelt Thank You to Rob My wife and I, aged 70 and 67, want to extend our sincere gratitude to Rob for his time on the phone yesterday, the follow-up call, and his follow up emails. He provided us with immense clarity in the often-daunting landscape of retirement planning—especially as we find ourselves on the very lower end of the scale in terms of both assets and cash. A bit of backstory: Since 1996, we have been self-employed, running a small-to-medium enterprise. However, a devastating business setback in 2000 nearly wiped out everything we had worked for, forcing us to rebuild from the ground up. We narrowly avoided bankruptcy and had to reinvent ourselves financially. With grown children of our own, we had always hoped to leave them some inheritance—something we ourselves were not fortunate enough to receive, I trust we will be able to leave them a small amount if Sydney property prices continue to grow over the next 20 years.. So, where did that leave us? Over the past 22 years, we have slowly regained financial stability—without a superannuation fund. Yes, you read that correctly. Despite that, we managed to purchase a home again, and in 2022, we downsized, paid off the mortgage, and bought an apartment outright, ensuring we had enough cash flow to sustain us until around 2034. What we needed was NOT another financial adviser pushing us toward an expensive, one-size-fits-all financial plan. We had already designed our own plan and needed an expert to validate it—someone to tell us, honestly, whether we were in trouble or on the right track. We had spent countless hours defining our life goals for the next 20+ years, conducting extensive research, and crafting a self-developed strategy that suited our stage of life. What we needed was independent, experienced guidance—not a template financial model that assumed two more decades of income and unrealistic spending, as we know we cant take it with us. Rob exceeded our expectations on every level. His advice was insightful, grounded, and reassuring. He understood our situation deeply and affirmed our path forward with clarity and empathy. We cannot recommend him highly enough. Thank you, Rob.”