For Australians aged 40–55

You're earning good money. So why doesn't it feel like you're further ahead?

Household income of $200k+
$200k+ in super
A homeowner

Watch the short video, then book a complimentary strategy call and leave with a dated roadmap outlining the key steps to consider when planning for retirement.

This information is general advice only and does not take into account your personal objectives, financial situation, or needs.

15 minutes · No obligation · No product sales

AFSL 700208
Fee-for-service
$160M+ family wealth advised

Case study · Steve & Cathy, 55 & 54

From "treading water" to building a retirement strategy with real momentum

Steve and Cathy came to us at 55 and 54. Their concern was that their superannuation felt like it was sitting still, with no real strategy behind it and no sense of whether it was suited to the retirement they wanted.

We reviewed their full position, modelled what their retirement may require, and built a coordinated strategy across their super and investments. Over the eight years that followed, they stayed in ongoing advice, with regular reviews and adjustments as their circumstances and the legislation changed.

They have now retired. What changed most for them was not any single decision. It was having a defined plan, and someone reviewing it with them consistently over nearly a decade. Your circumstances might be different, but advice helps you understand the specific choices available to you.

8 yrs
Working with Elements
Enjoying
A well earned retirement
Confident
About their financial future

Steve and Cathy's circumstances are specific to them. Past experiences are not an indication of future outcomes, and results depend on individual circumstances, implementation, market conditions, and legislative settings.

15 minutes · No obligation · No product sales

Google Reviews

What clients say about working with us

5.0 · Verified Google reviews
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Russ and Wendy Clegg

3 reviews

We decided a few years ago to seek professional advice on our super. David has always been professional engaging and guided us in heading to our retirement goals I would thoroughly recommend David and his team

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PierreLeGumnut

3 reviews

My wife and I have good jobs, but we knew we weren't being smart with our money. David and his team have sorted out every aspect of our financial life, and for the last six years all we've seen is growth.

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Tony Sarich

4 reviews

My wife and I sort out the advise of David Loughnan and the Elements financial team concerning a investment I wanted to make. While there I mentioned my transition to retirement. This lead to a very clear pathway he created for us over the next two years to be able to do so. Thanks to you Dave and your team you have taken the hard out of retirement for me.

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Angela Sarich

3 reviews · 2 photos

Dave and his team have taken out the stress of managing our super. We have a clear path now and feel we are in good hands also there to provide financial advice when selling our units and where to best place money for retirement.

M

Matt Bunker

8 reviews · 2 photos

David is not only very experienced and knowledgeable but he listens to the needs and aspirations of his clients. Very smooth process and detailed plan which has been working very well. Highly recommend David to manage and improve your financial outlook.

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Sue Nutter

Local Guide · 43 reviews

We can't recommend Elements Financial Planning Australia highly enough. David Loughnan has been our financial planner for many years and is always professional, friendly and someone we completely trust. Thanks to his guidance, we were able to retire early. Even our younger family members now use David.

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Barry Eustance

8 reviews

I've been client of David's for 15 yrs, taking care of my superannuation which has allowed myself to retire comfortably with minimal stress. He (&team) have always been available to answer or clarify things so even I understood which I appreciated! I thoroughly recommend David's team at Elements

K

Kirstin

1 review

We couldn't be happier with our experience with Elements Financial Planning. We initially sought financial advice to get greater clarity and confidence around our financial future, and the team made the entire process easy to understand and comfortable from the beginning. They took the time to understand our goals, provided clear and practical advice, and genuinely cared about achieving the right outcomes for us.

F

fernando dp

2 reviews

I was well into my 50s without a clear grasp if I was in the right track feeling i had missed the bus. It was such a pleasant experience working with your team. I was able to formulate a plan and have lots of clarity on what was going on now and for the future. I wish I've done this earlier!

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Adam Jones

Local Guide · 24 reviews

My wife and I are in our 40s and have been using Elements Financial Planning now for around 7yrs to help with our SMSF investing and financial security. It has been great to see our retirement heading in the right direction with smart investments and forward planning from Elements. I highly recommend David and the team, they are great at what they do, nothing is ever too much to ask and super quick to respond.

Testimonials reflect individual client experiences and are not indicative of future results.

Your next step

One conversation. Then you'll know.

Fifteen minutes with a senior adviser. You'll leave with an honest read on where you stand and what to consider to retire on your terms. Nothing to buy.

15 minutes · No obligation · No product sales