I hear it all the time. “I should have done this ten years ago.” And maybe. But ten years from now, you’ll be saying the same thing about today.

The kids are gone. The school fees have stopped. For the first time in a long time, there’s surplus income. The question isn’t whether you’ve left it too late. The question is what you do with the next ten years.

In my experience, most people in their 50s are in a better position than they think. They just don’t know it because they’ve never had someone sit down and actually run the numbers. Not a calculator on a website. Their actual numbers.

That’s what the conversation is. About 15 minutes. I’ll look at where you are, what retirement might realistically look like for you, and whether there’s a gap or whether you’re closer than you thought.

If there’s something we can help with, I’ll explain what that looks like. If there isn’t, I’ll tell you that too. I’ve been doing this since 1990. I’m not going to waste your time.

Andrew Rowan, Ballarat. Licensed since 1990. Through every market crash since then, the approach hasn’t changed. Evidence-based. Straightforward.