Whether you are ready to retire now, are starting a transition into retirement or continuing to work, there are steps to take to start planning today. Its never too early or too late to start thinking about your life after you finish working.  Retirement ideas are unique to 

everyone, therefore living your ideal  lifestyle involves careful planning.

Your retirement age is whenever you decide to stop working or have to cease work due to other circumstances, such as sickness or injury.


You may need to meet certain criteria to be eligible to access your super or gain government age pension. 


NSW Defined Benefit scheme 

A defined benefit is a fund where an employee acquires a lump sum, specified pension payment or combination of the two on terminating employment and entering retirement. The payment is formulated based on a number of factors that may include:


- Your earning history

- Contributors to the fund 

- Length of service.

There are several aspects that could affect your final Payment. 

These include: 

- Your adjusted final fund salary (AFFS) 

- The date you joined the scheme 

- The amount you have paid

- Your current multiple 

Retirement - Centrelink Management 

A well-funded retirement is often a combination of a variety of income sources. These may be from superannuation income streams and investment earnings through to government funded Centrelink Age Pension or Commonwealth Seniors Health Care Card.

Understanding the rules and how different assets and income sources are assessed to maximise any Centrelink entitlement can be difficult. Berenice is highly skilled in this area and can guide you through to ensure you receive pension where possible to assist your retirement funds to last as long as you wish them to.

Berenice is multi lingual – speaking fluent Centrelink, superannuation and tax as these can often

seem like a different language!



Your Advisor 

Berenice has extensive experience having worked in the Financial Services industry for over 30 years in a variety of roles. In 1996, after many years in retail banking, she became a Financial Planner with ANZ in the Lake Macquarie region before spending almost 20 years at State Super Financial Services and Pinnacle Advice in Ballina.


Berenice has strong technical and practical experience and is passionate about providing specialist retirement planning advice.


Berenice is an expert in Retirement Planning, Superannuation and Pension Income Streams, Social Security Strategies, Managed Investments, NSW State Public Sector Defined Benefit Schemes, Redundancy and Estate Planning.


Dip FP, JP. 


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Education & Qualifications 

Diploma of Financial Planning – Deakin University


Tax (Financial) Advisor – Tax Practitioner’s Board

Justice of the Peace – Reg No: 143494

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Contact us today to see how we can help you with your retirement planning. 



0413 814 708


PO Box 172, Lennox Head NSW 2478

Thank you for your enquiry, we will be in contact with you shortly!