"Can I actually afford to retire?" It's the question that keeps many people working longer than they need to — and unfortunately, it's also the question that goes unanswered for too long because people aren't sure where to start.

The truth is, the answer isn't always as far away as it feels. With a clear view of your assets, your expected expenses, and the income sources available to you, we can give you a genuine, evidence-based answer — not a vague estimate.

And if the timing isn't quite right yet, we'll show you exactly what needs to change and how long it realistically takes to get there.

What we look at:

• Your projected retirement income versus your expected living costs

• The role of the Age Pension and whether you're likely to qualify

• How long your money needs to last

• Stress-testing your plan against unexpected events

You deserve a clear answer to this question. Let's work it out together — and give you the confidence to plan your next chapter.