No Financial Adviser Near You? You Can Still Get Comprehensive Retirement Advice.
Future Needs works with people right across regional Australia by secure video — the same thorough, personalised retirement planning as in-person, without the drive, the waitlist, or the surprises.
Over a decade of experience helping Australians retire with clarity and confidence — now available wherever you are in regional Victoria and beyond.
THE PROBLEM
Living regionally shouldn’t mean going without proper retirement advice.
If you’re anywhere outside a major city, you already know the problem. Local financial advisers are few and far between. The good ones have long waitlists. Getting to the nearest city means a full day out of your week — and you’re still not sure you’ll get an adviser who truly understands your situation. So retirement planning gets pushed back. The questions stay unanswered. And the longer you wait, the less time your money has to work for you. That’s exactly the gap we’re here to close.
THE SOLUTION
Real retirement advice. Delivered securely by video, from your own home.
Future Needs brings qualified, comprehensive retirement planning directly to regional Australians — through secure, encrypted video. You get the same depth of advice, the same rigour, and the same qualified adviser throughout your journey. The only difference is you never have to leave home. We work with clients across regional Victoria and beyond. Whether you’re in a large regional city or a smaller town, if you have a reliable internet connection, we can work together. Our reach is national — our focus is on people who’ve been underserved by the financial advice industry for too long.
WHAT WE HELP WITH
Retirement Income & Cash Flow
- Working out when you can actually afford to retire — and whether your money will last
- Structuring your income to make the most of your super, investments, and the Age Pension
- Minimising tax on your retirement income streams
Superannuation
- Reviewing your super fund, investment options, and fees
- Maximising contributions and government co-contribution strategies before you retire
- Understanding transition-to-retirement strategies
The Age Pension
- How the Age Pension assets and income tests work — and how to maximise your entitlement
- How your super, assets, and income interact with your pension
- Centrelink strategies to improve your overall retirement position
Investment & Wealth Protection
- Reviewing your existing investments in the context of retirement
- Building a risk-appropriate strategy that lets you sleep at night
- Protecting your wealth through the right insurance and estate structures
Aged Care & Estate Planning
- Planning ahead for residential aged care costs and the decisions that come with them
- Helping adult children understand a parent’s financial options at a difficult time
- Ensuring your wealth is structured to pass on efficiently
HOW VIDEO ADVICE WORKS — 4 CLEAR STEPS
Simple. Secure. No surprises.
A Free 20-Minute Intro Call
We start with a relaxed, no-obligation video chat. You tell us where you’re at — what you have, what you’re worried about, and what you want retirement to look like. We listen, ask the right questions, and give you an honest assessment of whether and how we can help. No jargon, no pressure, nothing to prepare.
We Agree on a Cost Before Anything Starts
If we’re a good fit, we’ll scope out exactly what your advice will cover — and give you a clear, written fee quote before a single piece of work begins. You decide whether to proceed. There is no obligation, and there are no hidden costs. You will never be surprised by a bill. This is how we do business: full transparency, agreed in writing, before we start.
We will always agree on fees in writing before any paid work begins. No surprises, ever.
Your Plan Is Built and Delivered
Once you’ve confirmed you’d like to proceed, we gather the full picture of your financial situation, prepare your personalised Statement of Advice, and walk you through it together over secure video or personally if a mutually preferred location is possible. You ask every question you want. We don’t move to implementation until you’re completely comfortable.
We Put It in Place and Stay With You
We help you implement your plan — rollovers, account restructures, etc — all coordinated by us as agreed. And we review your plan over time as your life, the rules, and the markets change. Ongoing, the same adviser, no surprises.
OUR FEE COMMITMENT
You’ll always know what it costs — before we start.
One of the biggest reasons people avoid financial advice is the fear of unexpected costs. We take that fear off the table.
✅ Free intro call: Your initial intro call is completely free
✅ Written fee quote and Consent: Before any paid work begins, we provide a written fee quote to get your consent.
✅ You stay in control: You decide whether to proceed — no automatic enrolment, no minimum commitment
✅ No surprises ongoing: Ongoing service fees are clearly explained and agreed before they begin
✅ Fee-for-service: No trailing commissions, no product kickbacks — we are fee-for-service.
We believe that if we do our job well, you’ll see value far beyond what you pay. But you should always know what you’re paying before you commit to anything. That’s our promise.
WHO WE HELP
You might be exactly who we work with.
We work best with people who are within 5–10 years of retirement, or who have recently retired and want to make sure everything is set up properly.
You might be:
- A regional Australian who’s never had access to a good local financial adviser
- Someone approaching 60 who’s realised retirement is closer than expected — and the plan isn’t quite there
- A couple wanting to understand how to structure things so you both retire comfortably
- A woman re-entering the workforce or reassessing super after a relationship change or career break
- An adult child trying to help your parents understand aged care, Centrelink, or estate options
- Someone who recently inherited or received a windfall and wants proper guidance on what to do
If you’re not sure whether that’s you — book the free call. That’s what it’s for.
WHY TRUST FUTURE NEEDS
Over a decade of experience in private wealth management and retirement planning
Expertise in retirement income, superannuation, tax optimisation, and the Age Pension — the full picture
Licensed under The Complete Planner Pty Ltd (AFSL 278161) — fully regulated
Helping “orpaned” clients regain control of their financial future
Plain-English communication — you’ll always understand exactly what’s happening and why
Genuine long-term relationships — our clients stay because advice doesn’t stop after the plan is signed
WHAT TO EXPECT IN YOUR FREE INITIAL CONSULTATION
Your free intro call is genuinely free — no pitch, no pressure. Here’s what we’ll cover:
Fees are fully discussed and disclosed before any plan preparation begins — no obligation to proceed.
TESTIMONIALS
FREQUENTLY ASKED QUESTIONS
There’s no such thing as too simple. Many people are surprised what they’re missing — or what they could be doing differently. Have the free call and we’ll tell you honestly whether advice would make a material difference.
Complicated is exactly what we’re here for. Complex super situations, blended families, business owners approaching retirement, aged care decisions — we’ve handled all of it.
You’ll find out at the intro call, for free. We’ll tell you what advice would likely cover and what it would cost. If the expected benefit doesn’t justify the fee, we’ll tell you that too. We don’t take on clients unless we’re confident we can add real value.
All fees are disclosed and agreed in writing before any paid work begins. There are no hidden charges, no retainers you didn’t sign up for, and no surprises. The intro call is always free.
Yes. We use encrypted video platforms and secure document-signing tools. Your personal and financial information is handled to the same standard as an in-person office meeting.
We work with clients across all of regional Australia. Our primary focus is regional Victoria — including Ballarat, Bendigo, Shepparton, Wangaratta, Wodonga, Mildura, Horsham, Warrnambool, Gippsland, and many more towns across the state. As long as you have a reliable internet connection, we can work together.
It’s rarely too late to improve. The years just before retirement are often the highest-value time to get advice, because small changes can make a significant difference to your long-term outcome.
Get your retirement sorted — from wherever you are.
You’ve put in decades of work. You deserve a retirement that’s properly planned, fully understood, and built without surprises. Whether you’re ready to get started or just want to ask some questions — the intro call is free, and there’s no obligation to go further.