Trusted Retirement & Wealth Advisers in Adelaide
Adelaide's Trusted Financial Adviser for Retirement, Super & Investments Make an appointment“Wealth is the ability to fully experience life” – Henry David Thoreau
Who We are – Lincoln Wealth Advisers
We are a privately owned practice, offering balanced advice, with your best interests at heart.
At Lincoln Wealth Advisers, our clients are the centre of everything that we do. We want to get to know you, and your financial goals. We provide a holistic service offering which means we are able to provide you with advice as you move through life’s various stages.
Financial Planning
What Lincoln Advisors Do
Rarely in life are goals achieved without some level of planning. Whether you’re talking about sport, music, or your career, planning is essential to take that next step and achieve your goals. The same concept applies to your finances — and for Australians aged 50 and over, getting the right financial plan in place can be the difference between a retirement you’ve always imagined and one you’ve simply fallen into.
The earlier you commit to seeking and implementing a financial plan, the more likely you are to meet your lifestyle goals. This means having a clear strategy across superannuation, retirement income, Centrelink entitlements, tax planning and investments.
By seeking advice from Lincoln Wealth Advisers, you can focus on what you do best and allow us to guide you with our expertise in retirement and financial planning across Adelaide.
The Financial Planning Services Lincoln Wealth Advisers Offer:
Wealth Creation
At Lincoln Wealth Advisers, we believe money is simply a means to achieve the life you want. Whether you’re building wealth through investments, superannuation contributions, or smart tax strategies, we help you set clear goals and create a realistic plan to reach them.
Wealth Protection
Retirement & Superannuation Strategies
Business Succession Planning
Let’s get started
Your First Appointment with Nasser
Taking the first step towards retirement planning or financial advice can feel daunting — but your first appointment with Lincoln Wealth Advisers is designed to be relaxed, informative and completely focused on you.
At your appointment, Nasser will understand your full financial picture — your assets, income, superannuation, and what you want your retirement or financial future to look like. Together you’ll explore your short, medium and long term goals
Testimonials
our people
Nasser Zreika
Director, Senior Financial Adviser, BEc AdvDFP Nasser has been in the financial services industry since 1997, and in Financial Planning since 2000. Based in Adelaide, he specialises in retirement planning, superannuation, Centrelink and aged pension advice, investments and income protection. His passion is understanding his client’s wants and needs, and building a long term relationship with them to see them through life’s ups and downs. Away from work Nasser loves travelling with his wife and young twins. He’s also an avid guitarist and mountain biker.
Lincoln wealth advisers are proud members of
Frequently Asked Questions
How does gifting assets affect my Age Pension?
You can gift up to $10,000 per financial year, capped at $30,000 over a rolling five-year period (this limit is shared between couples, not doubled). Gift more than this and the excess is treated as a “deprived asset” — Centrelink still counts it under both the assets and income tests for five years, even though you no longer hold it.
Gifting can be a legitimate way to reduce assessable assets and lift your pension entitlement, but the timing and structure matter. We help clients plan gifting well ahead of their Age Pension application so it doesn’t backfire.
How does salary sacrifice impact my retirement savings?
Salary sacrifice routes pre-tax pay directly into super, taxed at just 15% inside the fund instead of your marginal rate — saving up to 32 cents in the dollar for someone on $120,000. The catch: all concessional contributions (salary sacrifice + employer SG) must stay within the $30,000 annual cap for 2024–25. If your balance was below $500,000 at 30 June last year, you can also carry forward unused cap amounts from the prior 5 years to make a larger one-off contribution. We calculate the precise salary-sacrifice amount that maxes your tax saving without breaching the cap, factoring in your employer’s mandatory 11.5% SG contributions.
How do I calculate my age pension eligibility?
The Age Pension (currently $1,144.40/fortnight for singles, $862.60 each for couples at full rate, March 2025) is subject to two Centrelink tests — whichever gives the lower payment applies. The assets test cuts in above $314,000 (homeowner single) or $470,000 (homeowner couple); the income test reduces payments once income exceeds $212/fortnight (single). Many retirees unknowingly fail both by holding assets in the wrong structure. Repositioning super, gifting within the $10,000/$30,000 limits, or timing asset drawdowns before lodging a Centrelink claim can make a material difference. We model both tests against your current position so you know exactly where you stand — and structure your assets well before you hit 67.
Contact Us
Thank you for your interest in Lincoln Wealth Advisers. To get started with your financial planning needs please contact us. Lincoln Wealth Advisers — Financial Adviser Wayville SA 65 Goodwood Road, Wayville SA 5034 Serving clients across Wayville, Goodwood, Unley, Clarence Gardens, Adelaide CBD and surrounding areas. nasser@lincolnwealth.com.au 0412 331 867Frequently Asked Questions
How does gifting assets affect my Age Pension?
You can gift up to $10,000 per financial year, capped at $30,000 over a rolling five-year period (this limit is shared between couples, not doubled). Gift more than this and the excess is treated as a “deprived asset” — Centrelink still counts it under both the assets and income tests for five years, even though you no longer hold it. Gifting can be a legitimate way to reduce assessable assets and lift your pension entitlement, but the timing and structure matter. We help clients plan gifting well ahead of their Age Pension application so it doesn’t backfire.
How does salary sacrifice impact my retirement savings?
Salary sacrifice routes pre-tax pay directly into super, taxed at just 15% inside the fund instead of your marginal rate — saving up to 32 cents in the dollar for someone on $120,000. The catch: all concessional contributions (salary sacrifice + employer SG) must stay within the $30,000 annual cap for 2024–25. If your balance was below $500,000 at 30 June last year, you can also carry forward unused cap amounts from the prior 5 years to make a larger one-off contribution. We calculate the precise salary-sacrifice amount that maxes your tax saving without breaching the cap, factoring in your employer's mandatory 11.5% SG contributions.
How do I calculate my age pension eligibility?
The Age Pension (currently $1,144.40/fortnight for singles, $862.60 each for couples at full rate, March 2025) is subject to two Centrelink tests — whichever gives the lower payment applies. The assets test cuts in above $314,000 (homeowner single) or $470,000 (homeowner couple); the income test reduces payments once income exceeds $212/fortnight (single). Many retirees unknowingly fail both by holding assets in the wrong structure. Repositioning super, gifting within the $10,000/$30,000 limits, or timing asset drawdowns before lodging a Centrelink claim can make a material difference. We model both tests against your current position so you know exactly where you stand — and structure your assets well before you hit 67.