Plan the retirement you actually want
Your kids are nearly independent. There’s still some mortgage left. And your super has quietly grown into a number you’re not entirely sure what to do with.
You’ve got maybe ten years before retirement — the single most powerful planning window you’ll ever have — and not a lot of spare time to manage it all yourself. That’s exactly where we come in.
At Astonia, we start by helping you work out what you actually want your retirement to look like. Then we work backwards to the numbers, the strategy, and the steps to get you there. As privately owned advisers with no ties to any bank or institution, our advice is built around you — and no one else.
Why Astonia Private Wealth
We’re a boutique financial planning firm, and we keep it that way on purpose. Rather than serving everyone, we work with a select number of clients so each one gets our full attention, not a template.
That focus is what lets us build retirement and wealth strategies that are genuinely tailored — not off a shelf. With 15+ years of experience as Certified Financial Planners®, SMSF Specialists and Aged Care Professionals, we give considered, personal advice to a client list we deliberately keep small.
The decisions that matter most in your 50s
Superannuation Advice
"Is my super working as hard as it could be?" We help you understand what you've got, whether it's invested well for your stage, and how to make the most of the years you have left to grow it.
Investment Strategies
"Am I taking the right amount of risk this close to retiring?" We build an investment approach matched to your timeline and comfort — growing your wealth without gambling with your future.
Retirement Planning
"Will we have enough — and when can we actually stop?" We help you answer both, with a realistic plan for turning your super and savings into a retirement income you can rely on.
Estate Planning
"Will my family be looked after, the way I want?" We help you protect and pass on what you've built, clearly and without fuss.
Tax Strategies
Am I paying more tax than I need to as I approach retirement?" Smart tax planning can make a real difference to what you keep. We help you use super contributions, timing, and structure effectively — so more of your money works toward the retirement you want.
Debt Management
Life's unexpected challenges can lead to unwanted debt. Our debt management advisors help prevent this from becoming overwhelming, implementing effective strategies to regain financial control.
Aged Care
"How do I plan for aged care — for my parents, or one day for myself?" It's a stage most people face and few feel ready for. We help you understand the costs, the options and the paperwork, so decisions can be made calmly rather than in a crisis.
Self Managed Superannuation
"Is an SMSF right for me, or is it more trouble than it's worth?" We give you a straight answer, weighing the pros and cons for your circumstances.
Insurance
"If something happened, would my family and my plans be protected?" We help you put the right cover in place — and just as importantly, make sure you're not paying for cover you no longer need at this stage of life.
About the founder
Astonia Private Wealth was founded by Vineet Singh, a Certified Financial Planner® and SMSF Specialist Advisor with 15+ years of experience.
I started Astonia because I wanted to give clients something larger firms rarely do — real, undivided attention. When you work with Astonia, you work directly with me. No handballing to junior staff, no one-size-fits-all templates. Just considered, personal advice from someone who’s spent a career helping people make the most of the years before retirement.
Your wealth portal
See everything in one place
Take control with your own secure wealth portal — your net worth, budgets, goals, and important documents, all in one place, connected directly to your adviser.
- See your full financial position at a glance, with assets and liabilities synced automatically
- Set retirement goals and watch your progress toward them
- Store important documents securely in the cloud
- Give trusted family members guest access when you want to
- Save time at tax return with built-in tools
What our clients have to say
Enjoy today, knowing tomorrow's taken care of.
FAQs
No — your 50s are arguably the best time to start. It’s late enough that your income and super are at their strongest, and early enough that smart decisions still have years to compound. The decade before retirement is when good planning makes the biggest difference to how you’ll actually live.
It depends on the lifestyle you want, not a magic number. Industry bodies publish “comfortable retirement” benchmarks, but they’re averages — they don’t know your mortgage, your goals, or your plans. The right figure is the one built around the retirement you actually want, which is where we start.
There’s no one-size answer — it depends on your interest rate, your tax position, how close you are to retiring, and how you feel about debt. It’s one of the biggest decisions of this decade, and getting it right for your situation can make a real difference. We help you weigh it up properly.
A clear three-step process. First, a Discovery Meeting where we understand your life and goals. Then a Strategy Meeting where we present a plain-English plan. Then an Implementation Meeting where we put it in place and stay alongside you. You’ll always know where you are and what comes next.
If you’re in your 50s with growing super, a home, and some remaining debt, you’re exactly who benefits most from advice — because the decisions ahead are big and time is short. You don’t need to be wealthy. You need a clear plan for what you’ve worked hard to build.
No. Our office is in Norwest, in Sydney’s Hills District, and we meet local clients there — but we work with people across Australia by phone and video. Wherever you are, we can help you plan for retirement.
Yes — your first conversation is a no-obligation chat with no cost. It’s simply a chance to talk through where you’re at, what you’re hoping for, and whether we’re the right fit.
We charge a fixed, agreed fee so you know the cost upfront, with no hidden commissions.
