Menu
We’re here to guide you towards a retirement filled with peace of mind. At Chapters Retirement Partners, we’ll show you how to make your dream retirement happen sooner, without unnecessary complexity or risk. We simplify the process, ensuring a smooth transition into the golden years you’ve worked so hard to achieve. Let us help you retire strong and live the life you’ve always envisioned.
Our clients have built substantial wealth and are ready to embark on a new chapter where their income isn’t tied to a job. At Chapters Retirement Partners, we help you navigate this significant transition, ensuring you have the freedom and security to enjoy the lifestyle you’ve worked so hard to achieve.
For those looking to enhance their existing retirement plans, we’re here to help. At Chapters Retirement Partners, we support retirees who’ve lost confidence in their current strategies and know they can do better. Let us guide you to refine and improve your plans, ensuring your retirement years are as rewarding and secure as possible.
"Very impressed with Chapters, thank you for understanding our needs and the planning you have put in place for us. It has given us great piece of mind."
At Chapters Retirement Partners, we’re here to help you achieve a fulfilling, financially secure retirement. Let us guide you through every step, ensuring you can enjoy the freedom and peace of mind you’ve earned.
"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."
At Chapters Retirement Partners, we know that your retirement story should be as unique as you are. Our dedicated team offers personalised retirement planning solutions designed to transform your golden years into your best years yet. Let us help you create a future filled with financial security and the freedom to enjoy what truly matters.
"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."
Navigating your 50s and beyond can be unexpectedly challenging. Financial worries often loom large – whether it’s the stress of not having enough saved for retirement, managing ongoing debts, or the uncertainty of future healthcare costs.
You might be dealing with the reality of a reduced income, the burden of supporting loved ones, or the challenge of securing your own financial future. At Chapters Retirement Partners, we understand these struggles and are here to guide you through them. Our mission is to alleviate your financial anxieties and help you achieve a secure, comfortable retirement.
Choose us, and let’s turn your financial uncertainties into a confident, worry-free future.
We offer a full suite of services designed to ensure you enjoy financial independence and an enduring lifestyle. From retirement planning to superannuation advice, portfolio management, Centrelink benefits, investment strategies, and estate planning, we’ve got you covered.
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.
Navigating superannuation can be a headache. Let us simplify it for you. We review and optimize your super funds, making sure your investments align with your retirement goals, all while minimizing costs and maximizing returns.
We start with where you are and where you want to be. By analysing your current financial strategy, setting clear goals, and creating a detailed Next Chapter Roadmap, we ensure you’re on the path to a fulfilling retirement.
We make sure you get every dollar you’re entitled to. From benefit eligibility to incorporating payments with your other assets and income streams, we handle the complexities so you don’t have to.
It’s essential to consider your financial readiness, desired lifestyle, health, and other personal factors. Chapters Retirement Partners helps by creating a personalised plan that includes retirement modeling, tax assessments, and goal setting to ensure you can retire comfortably and maintain your desired lifestyle.
Retirement is a marathon, not a sprint. Our advisors provide continuous support, adapting your strategy to changes in legislation, superannuation rules, and your personal circumstances, ensuring you always stay on track.
The team comprises experienced financial advisors with extensive backgrounds in financial planning and advisory services. For instance, Matthew Ripley, the Managing Director, has been involved in financial advice since 2003 and holds advanced qualifications in financial planning. Chris Brown, the Senior Financial Adviser, has been in the industry since 2005 and holds a Bachelor of Business and an Advanced Diploma in Financial Services.
Life insurance isn’t just about covering funeral costs; it can help balance estate distribution, provide for loved ones, and offer financial security. Understand your policy options, whether held personally or through superannuation, and ensure you name beneficiaries to streamline the process for your heirs. As we get older, our premiums generally increase. We will help you determine how much insurance you should retain, if any, and where to redirect the potential premium savings, to ensure that you are maximising your retirement savings.
“How much do I need to retire?” The answer is—it depends! Our Next Chapter Roadmap helps you define your desired lifestyle and calculates the associated costs. For a comfortable retirement, you might need around $64,771 annually as a couple or $45,962 if single, according to ASFA’s research. We tailor these figures to your unique situation to ensure you live your retirement to the fullest without financial worries.
This million-dollar question depends on your financial situation. Paying off your mortgage offers a guaranteed return equivalent to your mortgage interest rate, providing peace of mind. On the other hand, contributing to your super can offer significant tax benefits and potentially higher long-term returns. We help you balance both strategies to maximize your financial security.
We leverage three powerful tools: the Total Wealth Audit to assess your current financial situation, the D-Day Prediction Model to plan your potential retirement date, and the Next Chapter Roadmap to build a personalized retirement plan. These tools ensure you’re on the right path and help you adjust your strategy as needed.
Market drops are inevitable and can be nerve-wracking. However, reacting emotionally can cause long-term harm. We advise maintaining a diversified portfolio and staying the course. Historical data shows markets recover over time. Our guidance helps you navigate these turbulent periods without derailing your long-term goals.
Retirement spending varies by individual. Essential expenses like housing and health can be higher for singles compared to couples. It’s crucial to consider your personal goals and adjust your spending habits accordingly. We help you identify what you want to spend your money on and ensure you’re on track to achieve a comfortable retirement.
Get ready to step into retirement with optimism and joy. As you embark on this new chapter, we’re here to help you make the most of your pre-retirement years. Contact us now to learn how we can assist you in maximizing your financial stability and community support.
Together, we’ll navigate your path to a fully embraced retirement, ensuring you have the security and peace of mind you deserve. Let’s turn your dreams into reality and make your future as bright as possible. Reach out to Chapters Retirement Partners today!
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.
