Retirement & Pension Planning

Securing Your Retirement Across Borders

Retirement planning for internationally mobile individuals is among the most complex areas of personal financial management. Australian superannuation rules interact with foreign pension systems in ways that can create significant opportunities — or costly mistakes — depending on how they are managed. Virex Wealth Management's Retirement & Pension Planning service is designed to navigate this complexity with precision.

Australian Superannuation Strategy

We provide comprehensive superannuation advice covering contribution strategies, investment option selection, transition-to-retirement planning, and retirement income stream structuring. Our advisors are specialists in maximising superannuation outcomes within the constraints of the superannuation legislation, including concessional and non-concessional contribution caps, bring-forward rules, and downsizer contributions.

Self-Managed Superannuation Funds (SMSF)

For clients with superannuation balances of $500,000 or more, an SMSF may offer significant advantages in terms of investment flexibility, estate planning, and cost efficiency. We provide SMSF establishment advice, investment strategy development, and ongoing investment management for SMSF trustees. We work in coordination with specialist SMSF administrators and auditors to ensure full compliance with ATO requirements.

SMSF trustees have significant legal obligations. We ensure our SMSF clients fully understand their responsibilities and have appropriate support structures in place.

International Pension Coordination

Many of our clients have pension entitlements in multiple countries — UK defined benefit pensions, US 401(k) plans, European occupational pensions, or other foreign retirement savings. We coordinate with specialist advisors in each relevant jurisdiction to develop a holistic retirement income strategy that optimises the interaction between these different pension systems and Australian superannuation.

Retirement Income Planning

As clients approach and enter retirement, the focus shifts from accumulation to income generation and capital preservation. We develop retirement income strategies that balance income needs, longevity risk, inflation protection, and estate planning objectives, drawing on the full range of available income-generating investments and structures.