When Can We Stop Working For Money?
Not “if.” Not “eventually.”
A real answer – built around the retirement you actually want, not just the one your super balance happens to afford.
It’s the question you ask at 2am & never out loud.
You do the maths in your head sometimes. On the drive home. Lying awake. If we kept going like this for five more years… if the kids are off our hands soon… if super keeps growing the way it has…
Then Monday comes and the question goes back in the drawer.
You’re not avoiding it because you don’t care. You’re avoiding it because nobody’s given you a straight answer — just calculators that assume you’re a spreadsheet, and “it depends” from everyone you ask.
You don’t want a guess. You want someone to actually work it out with you.
The Person Behind The Advice
Meet Vineet Singh
For Vineet, good financial advice is about making the complex feel clear, helping people understand where they stand, what comes next, and how to stay on track for the future they want.
As Founder and Director of Astonia Private Wealth, and a Certified Financial Planner and SMSF Specialist, Vineet works with professionals, families and investors to turn financial complexity into practical, personalised strategies.
His approach starts with listening. From retirement and superannuation to investments, SMSFs and long-term wealth planning, every strategy is shaped around what matters most to you.
Because financial planning is not just about managing money. It is about creating clarity, direction and confidence for the future.
Most people start with the wrong question.
They ask “how much do I need?” before they’ve actually worked out what retirement is supposed to look like. So they end up chasing a number that’s either too vague to mean anything, or borrowed from someone else’s idea of retirement.
We start somewhere else.
Question 01
- What does your retirement actually look like?
- Travel, time with grandkids, downsizing, a holiday house, working part-time by choice — the specific life you’re picturing, not a generic version of “retired.”
Question 02
- What does that life actually cost?
- We turn that picture into a real number — what your version of retirement costs each year — so "how much do I need?" finally has a grounded answer instead of a guess.
Question 03
- What needs to happen before you get there?
- The moves that matter in your final working decade: clearing the mortgage, making super work its hardest, and getting the timing right — so the plan actually lands.
The 10 years before retirement matter more than any other 10 years.
It’s when your income is usually at its highest. When debt can realistically be cleared. When extra super contributions do their most work, with the most time left to grow. And it’s the last real window to course-correct if something’s not on track.
Most people coast through this decade instead of using it – because nobody’s shown them it’s different from the other ones.
Used well, it can be the difference between just getting by in retirement and actually living the version you pictured. Used carelessly, and it quietly closes the gap on options you’ll wish you still had.
This is the decade we help you use properly.
We help you achieve goals that are actually yours - & actually realistic.
Not a fantasy retirement borrowed from a magazine, and not a number picked out of thin air. A goal that’s genuinely yours, checked against your real numbers, and a clear plan to actually get there — or as close as your circumstances allow.
How we build your plan
01 · Discovery Meeting
Discovery Meeting — let’s talk about the life you actually want A relaxed, no-cost conversation. Not about products or numbers yet — about what retirement looks like to you. Travel? Time with family? Slowing down or staying active in work you enjoy? We listen first.
02 · Strategy Meeting
here’s what it takes, and here’s your plan We come back with the real picture: what your retirement vision costs, where you currently stand against it, and a specific strategy for the years ahead — debt, super, investments, timing — built around making the most of the decade you’ve got left before retirement.
03 · Implementation Meeting
we put it into action Your plan only matters if it actually happens. We set everything in motion, make sure every piece is structured correctly, and you walk away knowing exactly what’s been done and what happens next.
People just like you, asking the same question
Trusted reviews showing how structured advice helps families protect wealth, make confident decisions and plan calmly for the future securely
You’ve got one decade before retirement. Let’s make sure it counts.
Book your free Discovery Meeting. Bring your questions and your version of retirement — we’ll bring the plan.
Frequently Asked Questions
1. How do I know if I have enough to retire?
There is no one-size-fits-all number. It depends on the lifestyle you want, your super, investments, debt, expenses and when you plan to retire. Astonia helps bring everything together so you can understand what is realistic and what may need to change.
2. Are my 50s too late to start planning for retirement?
No. Your 50s can be one of the most important decades for retirement planning. There may still be time to strengthen your super, review investments, reduce debt and make more informed decisions before your working income changes.
3. Should I put more into super or pay off my mortgage?
The right answer depends on your circumstances. Your interest rate, tax position, super balance, cash flow and retirement timeline all matter. Astonia helps you understand the trade-offs and decide what makes the most sense for your overall financial position.
4. Can Astonia help with more than retirement planning?
Yes. Astonia can help with superannuation, investments, retirement income, wealth creation, SMSFs, debt management, insurance and other areas that may affect your financial future.
5. What happens when I start working with Astonia?
It starts with understanding you. We look at where you are today, what you want to achieve and what concerns you most. From there, we develop a clear strategy, explain the recommendations and help you put the plan into action.
6. Do I need to be wealthy before speaking to a financial adviser?
No. Financial advice is not only for people with significant wealth. If you are approaching retirement and have important decisions around super, savings, investments, property or debt, having a clear strategy can make those decisions easier.
7. What happens in the first meeting?
The first meeting is a conversation about your current position, your goals and the questions you want answered. There is no expectation that you need to have everything figured out beforehand. The purpose is simply to understand where you are and what the next steps could look like.