Know your number.
Lock in tax-smart income.
Hand off the paperwork.
You’ve worked long enough—let your money take the wheel.
We pinpoint the freedom figure that sets you loose.
We turn super, savings, and investments into one steady payday.
We trim risk, slash jargon, and clear the bureaucratic hurdles.
Result: a calm, clock-free life that starts sooner than you ever thought possible.
You’ve done the hard yards building your nest egg.
Now let it pay you—not the other way around.
We design the strategy that turns super and savings into steady, lifelong income.
We tame the tax rules, paperwork, and investment noise for you.
So every sunrise feels secure—and every day is yours to spend as you choose.
Plans in place—but a nagging doubt keeps tapping your shoulder.
Fees, taxes, market swings… still chipping at your calm.
We dissect every dollar of your current setup—no stone unturned.
Plug leaks, slash waste, and lock in predictable pay-days.
So you wake up knowing the bills—and the fun—are always covered.
We help you plan with purpose—so your post-work life feels free, not fragile.
Here’s what we’ll do together:
Review where you are and what’s working
Identify gaps and solve specific financial roadblocks
Assess your tax position and maximise efficiency
Set clear, achievable goals based on how you want to live
Model your ideal retirement so you know exactly what it takes to get there
No confusion. No overwhelm. Just a clear path forward.
We help you take full advantage of the superannuation system, turning your savings into steady, reliable income.
Here’s how we support you:
Review your current super and pension setup
Optimise your investment strategy for growth and income
Select the best fund and investment mix for your goals
Maximise contributions and minimise unnecessary fees
Simplify the complex rules around super
Create and manage income streams that support your lifestyle
Access and withdraw your funds tax-effectively
Ensure beneficiaries are structured smartly for peace of mind
More clarity. More control. More confidence in your future.
We help you build a portfolio that supports your lifestyle now and into the future.
Here’s what we focus on:
Structure your investments to suit your retirement timeline
Understand your risk comfort and investment goals
Tailor your asset allocation to balance growth and stability
Invest for reliable income and long-term growth
Manage cash flow across your portfolio so your money’s always working
Smart strategy. Personalised advice. Zero guesswork.
We simplify the process so you get every dollar you deserve—without the stress.
Here’s how we help:
Confirm your eligibility for Centrelink and DVA benefits
Maximise what you can receive with smart structuring
Seamlessly integrate payments with your other income streams
Provide ongoing support to keep everything running smoothly
Less paperwork. More support. Greater peace of mind.
We help you grow and protect your wealth with strategies built around your life, not the market noise.
Here’s how we guide you:
Select the right investment structure for your goals
Factor in tax outcomes to keep more of what you earn
Build consistent, long-term investment habits
Invest both inside and outside of super
Use managed investments for diversification and control
Leverage life insurance investments like annuities for secure income
Stay focused with behavioural coaching to avoid costly mistakes
Simple, strategic investing—aligned with the future you want.
We help you put the right structures in place so your legacy is clear, secure, and tax-smart.
Here’s how we support you:
Provide general estate planning advice tailored to your goals
Structure assets for smooth transfer and asset protection
Plan beneficiary nominations to avoid delays and disputes
Support intergenerational wealth strategies
Work with legal professionals to coordinate key documents like wills and trusts
Peace of mind for you. Clarity and confidence for your loved ones.
At Chapters Retirement Partners, we turn uncertainty into clarity.
We map your retirement plan, lock in steady income, and cut through the noise.
So you can live free, sleep easy, and enjoy the life you’ve worked hard to build.
"CHRIS is awesome and very knowledgeable. We enjoy listening to his answers to our questions. He fills us with confidence that he is looking after our finances and setting us up for our retirement."
"My wife and I found Chris to be very knowledgeable, with a pleasant approach to understand our situation. Chris provided a good range of options for us to plan out our future without feeling pressured. We highly recommend Chris at Chapters to anyone looking to plan their future financial security."
"CHRIS is awesome and very knowledgeable. We enjoy listening to his answers to our questions. He fills us with confidence that he is looking after our finances and setting us up for our retirement."
Your life’s been anything but cookie-cutter—why should your retirement be?
We build tailored strategies that turn your super and savings into a steady, stress-free income.
No cookie-cutter advice. No fluff. Just a clear plan for a future that’s truly yours.
More freedom. More confidence. More time for what matters most.
"Very impressed with Chris, thank you for understanding our needs and the planning you have put in place for us. It has given us great piece of mind."
Retirement shouldn’t feel like a question mark.
Worried about having enough? Juggling debt? Still supporting family?
You’re not alone—and you don’t have to figure it out solo.
At Chapters Retirement Partners, we cut through the overwhelm.
We turn scattered finances into a clear plan.
We build steady income, reduce risk, and bring calm to the chaos.
Choose us—and replace worry with confidence, confusion with clarity, and stress with freedom.
We help you build a retirement that lasts—and feels good to live in.
Our services include retirement planning, superannuation advice, investment strategies, Centrelink support, portfolio management, and estate planning.
Clear advice. Smart strategy. No jargon.
Australia does not have a mandatory retirement age, allowing individuals to retire whenever they feel financially prepared. Access to superannuation generally starts at age 60 if retiring from paid work, with unrestricted access from age 65 regardless of employment status. The age pension eligibility is moving to 67 for those born in 1957 or later and is means-tested.
Super can feel like a maze—we make it simple.
We review your funds, trim the fees, and align your investments with your goals.
The result? A smarter, stronger super that’s working hard for your retirement.
We start with what you have—and build the plan to get you where you want to go.
We analyse your finances, set clear goals, and create your personalised Next Chapter Roadmap.
It’s your step-by-step guide to retiring with confidence, clarity, and peace of mind.
Absolutely. We make sure you’re not leaving money on the table.
From checking what you’re eligible for to structuring your assets and income the right way—we handle the tricky stuff, so you get every dollar you deserve.
Think beyond the numbers—your lifestyle, health, goals, and peace of mind all matter.
We help you weigh it all: income needs, tax impact, timing, and long-term sustainability.
Then we build a personalised plan that lets you retire comfortably—and stay that way.
Retirement isn’t a set-and-forget plan—it evolves.
We stay by your side, adjusting your strategy as life, markets, and rules change.
So you stay on track, no matter what comes your way.
Our team brings decades of experience and deep expertise in retirement planning.
Matthew Ripley, our Managing Director, has been advising since 2003 and holds advanced qualifications in financial planning.
Chris Brown, our Senior Financial Adviser, has worked in the industry since 2005 and holds a Bachelor of Business plus an Advanced Diploma in Financial Services.
You’re in safe, experienced hands.
Life insurance can still play a role in retirement—but it needs a fresh look.
We help you decide what cover (if any) still makes sense, review costs, and ensure your policies align with your goals.
Whether it’s protecting loved ones, simplifying estate planning, or freeing up cash from rising premiums, we’ll guide you every step of the way.
The short answer? It depends on the life you want to live.
We start by mapping your ideal lifestyle—then calculate what it’ll take to fund it.
Our Next Chapter Roadmap gives you a personalised number, based on your goals, not guesswork.
So you can retire comfortably, confidently, and without money worries.
It’s one of the biggest financial crossroads before retirement.
Paying off your mortgage brings certainty and peace of mind.
Topping up super can unlock tax perks and long-term growth.
We help you weigh the trade-offs and strike the right balance—so every dollar works harder for your future.
We use three key tools to bring clarity to your retirement journey:
Total Wealth Audit – A full scan of your current financial position.
D-Day Prediction Model – Pinpoints your ideal retirement date.
Next Chapter Roadmap – Your step-by-step, personalised retirement plan.
Together, they turn uncertainty into confidence—and give you a clear path forward.
Market dips happen—but panic shouldn’t be part of your plan.
Knee-jerk reactions can lock in losses and derail your future.
We help you stay calm, stay diversified, and stay the course.
With the right strategy, you can weather the storm and come out stronger on the other side.
Retirement isn’t one-size-fits-all—neither is your spending.
Singles may face higher costs in key areas like housing and healthcare.
What matters most is aligning your spending with your lifestyle and goals.
We help you map out where your money should go, what to prioritise, and how to stay on track—so you can enjoy life without financial guesswork.
Picture yourself strolling through the streets of Paris, cruising the Amalfi Coast, or sipping wine in the Tuscan hills—without a single thought about what’s in your bank account.
That’s the kind of retirement we help you create.
At Chapters Retirement Partners, we maximise your final working years.
We shape your super, streamline your savings, and lock in a steady income you can count on.
Let’s turn your dreams into plans—and your plans into passport stamps.
Reach out today and start building a retirement that’s ready for takeoff.
1. Introduction
1.1 Count Limited and its related bodies corporate (collectively ‘Count’, ‘we’, ‘us’, ‘our’) respect your privacy and are committed to protecting your privacy. We understand the importance you attach to information that identifies you (your ‘personal information’) and we want to help you protect it.
1.2 We are bound by, and committed to supporting, applicable privacy legislation including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy (‘Policy’) explains how we collect, hold, use, and disclose your personal information that we may obtain when you submit information to us in person, by mail or email, or by visiting our website.
2. How do we collect and hold personal information about you?
2.1 We collect personal information from you in a variety of methods. Examples of how we collect personal information include:
2.2 Because our products and services are often offered by intermediaries such as financial planners, solicitors, or accountants, we may collect personal information about you from these third parties.
2.3 You can deal with us anonymously or by pseudonym unless it is impractical for us to deal with you where you have not identified yourself or have used a pseudonym. We require certain personal information to provide you with services and information. If you do not provide us with certain personal information, we may not be able to provide you with access to those services or respond to your request for information.
2.4 We will only collect personal information from you where it is reasonably necessary for us to provide our services to you or to perform our functions or activities.
2.5 We will only collect sensitive information from you with your consent, except in permitted general situations which include:
2.6 We may hold your information electronically or physically and have in place appropriate data and physical security measures and protocols to protect that information from loss or from disclosure not contemplated by this Policy.
3. What type of personal information do we collect?
3.1 The type of personal information we may collect from you includes (but is not limited to):
4. How do we use your personal information?
4.1 We will use the information you supply for the purpose of providing you with the service(s) agreed under our engagement and related services, such as accounting or business advisory services, or to meet obligations we may have at law, including in relation to health and safety.
4.2 We may also use the information we collect for our internal business and management processes (for example, accounting or auditing purposes), monitoring and improving our website, keeping you informed about our services and company news, and for any other purposes that would be reasonably expected by you and to allow us to comply with our obligations under the law.
4.3 We may also use personal information we have collected from you for the purpose of marketing our services. If you do not want to receive marketing material from us, you can unsubscribe by contacting us as detailed below:
5. How do we disclose your personal information?
5.1 Your personal information will only be disclosed:
5.2 We may use, store, process, or back-up your personal information on servers that are located overseas (including through third-party service providers). The privacy laws in other countries might not be the same as in Australia. However, where we provide your personal information to third parties overseas, we will take such steps as are reasonable to ensure that your information is handled and stored in accordance with Australian privacy laws and this Policy. Currently, we use outsourced service providers in the Philippines, India, and Serbia.
6. Access to your personal information
6.1 You can request us to provide you with access to personal information we hold about you by sending us an email: privacy@count.au (no spam please) or writing to us at Level 1, 45 Clarence Street, Sydney NSW 2000.
6.2 We may allow an inspection of your personal information in person, or provide copies or a summary of relevant documents, depending on what is the most appropriate in the circumstances. Any charge we make for providing access will be reasonable and will not apply to lodging a request for access. Your request to access your personal information will be dealt with in a reasonable time.
6.3 Note that we need not provide access to personal information if a request is frivolous, or where to provide access would pose a threat to health or public safety, unreasonable interference with another person’s privacy, or be a breach of the law. If we refuse access, we will provide you with reasons for doing so.
7. Accuracy and correction
7.1 To enable us to keep our records properly, please notify us if you believe that any information we hold about you is inaccurate, incomplete, or out of date and we will take reasonable steps, in the circumstances, to ensure that it is corrected. You can notify us by sending us an email: privacy@count.au (no spam please) or writing to us at Level 1, 45 Clarence Street, Sydney NSW 2000.
8. Our security procedures
8.1 We take your privacy and the privacy of our associated entities and their clients very seriously. We will take reasonable steps in the circumstances to protect any personal information you provide to us from misuse, interference, or loss and unauthorised access, modification, and disclosure.
8.2 We will also deidentify and destroy the personal information we hold about you once our legal obligations cease. Our security procedures are reviewed from time to time and we update them when relevant.
8.3 Please be aware that the transmission of data over the internet is never guaranteed to be completely secure. It is possible that third parties not under our control may be able to access or intercept transmissions or private communications without our permission or knowledge. We take all reasonable steps, in the circumstances, to protect your personal information. However, we cannot ensure or warrant the security of any information you transmit to us. Such transmissions are done at your own risk.
9. Data breach notification
9.1 We are required to give notice to the Office of the Australian Information Commissioner (OAIC) and affected individuals of an “eligible data breach”. This means that if we hold personal information about you, and there is unauthorised access to or disclosure of your personal information, and if you, as the “affected individual” would be likely to suffer serious harm from this access or disclosure, we must notify both you and the OAIC.
9.2 “Serious harm” could include identity theft, threats to physical safety, economic and financial harm, harm to reputation, embarrassment, discrimination, or harassment. The test is whether a “reasonable person” would expect you to suffer serious harm.
9.3 If you are likely to suffer serious harm from a data breach, we will notify you of:
9.4 We will notify you using the same method that we usually use to communicate with you. If it is not practicable for us to notify you personally, we will publish the notification on our website.
9.5 There are some circumstances in which we do not have to notify you of a data breach. These include:
9.6 Depending on the nature of the breach and the harm, we may voluntarily inform other third parties such as the police or other regulators or professional bodies.
10. Identifiers
10.1 We will not adopt as our own any government identifiers you may provide to us such as TFNs and will not store these identifiers on any information.
11. Links to other sites
11.1 We may provide links to other sites for you to access. You should be aware that these other sites are not subject to this Policy or our privacy standards and procedures. You will need to contact them directly to ascertain their privacy standards.
12. Cookies
12.1 Our website may deposit “cookies” on a visitor’s computer. Cookies are pieces of information that a website transfers to an individual’s hard drive for record-keeping purposes. Cookies are only sent back to the website that deposited them when a visitor returns to that site.
12.2 Cookies make it easier for you by saving your preferences while you are at our site. We never save personal identifiable information in cookies. Most web browsers are initially set up to accept cookies. You can, however, reset your browser to refuse all cookies or to indicate when a cookie is being sent.
13. Changes to our Privacy Policy
13.1 From time to time, we may vary this Policy for any reason. We will publish any changes on this website.
13.2 By continuing to use our website and continuing to provide us with your information, you confirm your acceptance of these changes.
14. Complaints resolution
14.1 We are committed to providing a fair and responsible system for the handling of complaints from parties whose personal information we hold. If you have any concerns regarding the way we have handled your privacy, please send us an email at privacy@count.au or write to us at Level 1, 45 Clarence Street, Sydney NSW 2000. We will address any concerns you have through our complaints handling process and we will inform you of the outcome of your complaint within a reasonable timeframe.
14.2 If after receiving our response, you still consider that your privacy complaint has not been resolved, you may refer your concerns to the Office of the Australian Information Commissioner at www.oaic.gov.au.
