Adelaide Trusted Retirement Planning Advisors
Lincoln Wealth Advisers provides retirement planning in Adelaide for individuals 50+, focusing on superannuation, income layering, and tax-efficient wealth transfer. We use the ASFA Retirement Standard to help our clients achieve a 'comfortable lifestyle' through personalized, ongoing strategies. Make an appointment“Retirement is not the end of the road — it’s the beginning of the open highway.”
Who We are – Independent, Trusted Retirement Advisors
.Lincoln Wealth Advisers is an independently owned financial planning practice based in Adelaide, specialising in retirement and superannuation advice for Australians aged 50 and over.
Our advice is always centered on what is right for you, ensuring your strategy is guided by consistent, expert care specifically to your circumstances
With over 25 years of experience in Australian financial services, we’ve helped hundreds of Adelaide families reach retirement on their own terms. We’d like to do the same for you.
We Help You Maximize Your Superannuation
What does Retirement Planning actually involve?
At Lincoln Wealth Advisers, we understand that retirement planning is not a single conversation, but an ongoing strategy where no one piece works in isolation. We work with Adelaide residents to look at the complete financial picture—to create a clear, practical strategy designed to make your money last.
We specialise in the areas that matter most to Australians in their 50s and 60s:
- Superannuation strategy — maximising your balance before and after retirement
- Centrelink & Age Pension — ensuring you receive every dollar you’re entitled to
- Retirement income planning — structuring a sustainable income stream from your assets
- Investment advice — growing and protecting your wealth in retirement
- Tax minimisation — keeping more of what you’ve earned
- Estate and succession planning — protecting what you leave behind
Our Retirement Planning Services
At Lincoln Wealth Advisers, we provide expert personalized strategies to help you navigate the “Retirement Red Zone.”
Superannuation & Wealth Maximization Strategies
We provide expert guidance on maximizing concessional and non-concessional contributions, strategically utilizing carry-forward rules to boost your balance, and implementing tax-effective Transition-to-Retirement (TTR) strategies. This bridge the gap between your working years and a secure, well-funded retirement
Retirement sustainable income stream
At Lincoln Wealth Advisers, we design income layering strategies that harmonize your account-based pensions, non-super investment portfolios, property income, and Age Pension entitlements. By carefully modeling these diverse income streams, we provide consistent cash flow that maintains your desired quality of life throughout your 60s and beyond.
Balanced Capital Preservation & Debt Management
We analyze your entire balance sheet to develop a clear roadmap for eliminating non-deductible debt—such as mortgages—without sacrificing your liquidity. By proactively managing sequence-of-return risk and rebalancing your portfolio, we protect your assets from market volatility, while maintaining the flexibility you need.
Tax Optimization & Estate Planning
We simplify complex tax and estate matters to protect your wealth and your legacy.We handle the complex tax rules to ensure your family keeps more of your hard-earned wealth, while utilizing tax-efficient investment structures, and align your superannuation with binding nominations and testamentary trusts to ensure your wealth transfers securely and effectively to your beneficiaries.
Your Local Adelaide Retirement Partner
Expert Local Retirement Planning & Benchmarks
At Lincoln Wealth Advisers, located at 65 Goodwood Road, Wayville, we provide expert, face-to-face retirement guidance for families across Unley, Mitcham, Clarence Gardens, and the Adelaide CBD.
Strategies for Sustainable Retirement Income
To help you reach your goals, we use the ASFA Retirement Standard (March 2026) as a benchmark:
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Comfortable Lifestyle: Requires an annual budget of approximately $55,923 for a single person and $78,566 for a couple.
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Lump Sum Targets: To support this lifestyle, ASFA estimates a required lump sum of $630,000 for a single person and $730,000 for a couple.
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Ongoing Strategy: We build dynamic plans that adjust as markets, legislation, and your personal needs evolve, ensuring your money lasts as long as you need it to.
Download and view a copy of Nasser’s Adviser Profile and our Lincoln Wealth Advisers – Financial Services Guide here to review prior to our first meeting.
Testimonials
Nasser’s retirement planning expertise put us completely at ease. He is always meticulously prepared, presenting clear strategic options for our transition and ensuring our long-term interests are his absolute priority. We now have total confidence in our retirement future.”
“My wife and I are incredibly happy with the retirement strategy Nasser developed for us. He patiently explained complex superannuation and income layering concepts, making the entire process straightforward. His service has been instrumental in helping us plan a secure, comfortable retirement.”
“Nasser provides comprehensive, expert explanations that have transformed our understanding of retirement income planning. By tailoring specific strategies to our unique needs rather than offering one-size-fits-all products, he has given us the clarity and confidence to retire on our own terms.”
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 much do I need if I want to retire before 60 in Adelaide?
While this depends on your lifestyle, the ASFA Retirement Standard provides a benchmark: to live a “comfortable” life, couples typically need a combined annual income of roughly $78,566, while singles need about $55,923.
To retire at 60, you must bridge the gap until you can access the Age Pension (currently age 67). A personalized drawdown strategy is essential to ensure your balance lasts through those extra years.
What is the Retirement Red Zone and why does it matter?
The “Retirement Red Zone” is the critical five-year period before and after you retire. It matters because your portfolio is at its most vulnerable to sequence-of-return risk—the danger that poor market performance early in your retirement will force you to sell assets at low prices, permanently reducing your income and shortening the lifespan of your savings.
what is a transition to retirement startegy?
A Transition-to-Retirement (TTR) strategy allows you to access your superannuation as a regular income while you are still working. It’s a powerful tool to reduce your working hours or boost your super balance through tax savings as you ease into full retirement.
How do I maximise my superannuation before I retire?
- Salary sacrifice — redirect pre-tax income into super at the concessional tax rate of 15%
- After-tax (non-concessional) contributions — contribute up to $120,000 per year, or $360,000 over three years using the bring-forward rule
- Spouse contributions — if your spouse earns less than $40,000, contributing to their super may qualify you for a tax offset of up to $540
- Downsizer contributions — aged 55+, sell your home, contribute up to $300,000 (or $600,000 for a couple) outside standard caps
- Catch-up contributions — if your total super balance is under $500,000, carry forward unused concessional cap amounts from the previous five years
What's the difference between a modest and comfortable retirement under the ASFA standard?
A modest retirement covers the basic cost of living but leaves little room for extras. A comfortable retirement allows for a broader lifestyle, including private health insurance, a reliable car, home renovations, regular leisure activities, and annual holidays.
Should I pay off my mortgage or contribute more to super before retiring?
It’s a balancing act. Paying off your mortgage reduces your baseline living expenses, providing security and peace of mind. However, superannuation offers tax-advantaged growth. Your decision should depend on your mortgage interest rate, your current tax bracket, and your projected retirement income.
A professional review can help compare the long-term benefits of both strategies.
How does sequence-of-return risk affect my retirement income?
Sequence-of-return risk occurs when you experience negative market returns shortly after you retire. If you are forced to withdraw funds to cover living expenses while the market is down, you “lock in” losses by selling shares at depressed prices.
This depletion leaves fewer assets to participate in a market recovery, which can jeopardize the long-term sustainability of your retirement plan.
What happens to my retirement plan if the share market crashes right after I retire?
A market crash early in retirement can be catastrophic if you do not have a buffer. If you rely solely on selling investments to fund your lifestyle, you may exhaust your savings much faster than planned. To protect yourself, you should maintain a “cash buffer” or low-risk liquid assets to cover expenses during downturns, allowing your growth-oriented investments time to recover without being sold at a loss.
Do I need a financial adviser or can I plan retirement myself?
You can plan yourself if you are comfortable with complex calculations, tax laws, and market dynamics. However, a financial adviser is recommended if your situation involves multiple income sources, tax planning, estate complexities, or if you simply lack the time to manage your portfolio actively. An adviser can provide a tailored strategy to help optimize your income and minimize unnecessary risks.
How often should I review my retirement plan once it's in place?
You should review your retirement plan at least annually. Life changes—such as shifts in employment, income, family circumstances, or changes in tax legislation—can significantly impact your strategy.
An annual check-in ensures your plan remains aligned with your goals and can help you adjust to unexpected market conditions before they become long-term issues.
Contact Us
To get started with your Retirement startegy 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 331 867
Nasser Zreika and Lincoln Wealth Advisers are authorised representatives of Synchron, Life Insurance Broker, AFS Licence No. 243313
The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Also view our ASIC registration