Hard work deserves
a wealthy retirement

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Retirement planning is one of the most important steps you’ll ever take. Which is why we’re here to guide you through it. With specialist SMSF expertise and decades of retirement planning experience, we’ll be by your side to help you design and achieve the retirement you imagine for yourself.
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Planning for longevity, lifestyle, and legacy.

Retirement doesn’t exist in a silo. The decisions you make about your retirement flow will naturally affect other areas of your financial life, just as those other areas will influence what your retirement looks like and how you get there.

As comprehensive wealth advisors, we understand how interconnected these elements are. That’s why our approach begins with understanding your complete financial position, not just what’s in your super or the immediate goals on your horizon.

From there, we work with you to build a retirement plan that reflects what matters to you, while aligning with the other areas of your financial life: your family and business goals, financial structures, and lifestyle.

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How we can help

Retirement strategy and planning

We help you set realistic retirement goals, create timelines, and align your financial plan to achieve your desired lifestyle.

SMSF establishment and management

If an SMSF is the right fit, we’ll guide you through setup and ongoing management with an emphasis on compliance and sustainable, objective-aligned growth.

Superannuation review

We’ll assess your current superannuation arrangement to ensure it’s structured and performing in a way that supports your broader retirement strategy.

Succession and estate considerations

We align retirement planning with succession and estate needs to both protect your wealth and ensure it will be transferred smoothly and according to your wishes.

Income and cashflow planning

To help you enjoy retirement without financial worry, we design retirement income strategies that are sustainable, tax-effective, and tailored to your lifestyle.

Time horizon investing

We help you plan retirement investments around when you’ll need your money. This approach helps you keep your incoming flowing without putting long-term savings at risk.

Comprehensive guidance
with deep SMSF expertise

Business owners, farming families, and professionals often have layered structures that involve trusts, companies, and major assets. In these situations, specialist SMSF expertise is particularly valuable.

Our advisors work extensively with clients to provide personalised guidance on SMSF and other structures, so your financial systems work in sync to serve your goals.

leading minds behind ulton wealth

What our clients say
about working with us

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In our 30-year association with Ulton, over the years we have become familiar with Jes Wilkinson who has been handling our affairs for the last 5 years. We have found Jes to be very pleasant, approachable, and extremely helpful in all our dealings with her.  Jes’ abilities in financial management are extremely advanced for her years. Jes’ abilities are also very highly regarded due to her high education status. Jes is a very friendly outgoing person, who we highly recommend."    
A & L Heidrich
Bargara Q 4670
We engaged Ulton through a referral and have enjoyed peace of mind ever since. Kylie has guided us for over 20 years, adapting to our changing circumstances with professionalism and care. Thanks to Ulton, we've achieved early retirement, travelled, and built a strong investment portfolio. The entire team treats us with respect, and we fully trust their expertise. We highly recommend Ulton Wealth for their professional, honest, and reliable service."
D & R Robinson
Toowoomba
When we sold our business in 2004, we chose Ulton for expert guidance after a disappointing experience with a previous advisor. Ulton has provided invaluable support, particularly after my husband's passing in 2011. Kylie Wright and Sharon Barrera have been professional, friendly, and helpful. Ulton has secured my financial future, and their integrity is unquestionable. I highly recommend Ulton Wealth Management for their trustworthy, helpful, and responsive service."
J.S.
A very happy client
I was introduced to Ulton Wealth by a friend, and they have taken all the financial stress off my shoulders. Kylie Wright and her team are friendly, professional, and extremely knowledgeable. After my husband passed away, Ulton provided invaluable support, helping me manage my superannuation and offering advice when needed. I would highly recommend Ulton Wealth for their trustworthy and caring service."
E Manwaring
We have been with Ulton for many years initially with our business and now in our retirement. We have always found them to be not only very friendly but also extremely professional and approachable always giving understandable and credible advise re our financial situation.Many thanks to a fabulous team, especially Jess and Kylie for helping to manage our finances to allow us to enjoy our retirement stress free."
R Mckay
Great company to deal with. They have extensive knowledge of both the tax system and superannuation funds. meticulous and professional in their detail when dealing with our business."
K Campbell

Your questions,
answered.

How do I know if SMSF is right for me?

An SMSF is not suitable for everyone, which is why we assess your goals, current assets, and risk profile on a case-by-case basis. If an SMSF aligns with your retirement objectives, we’ll design a tailored strategy and provide ongoing support to ensure it remains efficient, compliant, and aligned with your broader financial plan.

Can retirement planning include off-farm or business assets?

Yes. We consider all your assets—including business, farming, and off-farm investments—to create strategies that optimise growth, manage risk, and provide flexibility. Our holistic approach ensures your retirement plan works alongside succession and estate strategies.

How often should I review my retirement plan?

Retirement planning is not a one-off exercise. Our preference is to work with clients over the long term to review and refine plans as circumstances change. Through a continual partnership, we’re able to keep your strategies aligned with where you’re wanting life to take you.

Can you help with intergenerational wealth transfer?

Absolutely. We integrate retirement, succession, and estate planning to protect your family’s wealth. By coordinating strategies across SMSFs, investments, and legal structures, we help ensure a smooth and tax-efficient transfer of wealth to the next generation.

How do you manage risk in retirement investments?
We balance growth and protection strategies tailored to your circumstances. Our team regularly reviews your portfolios, adjusts allocations based on market conditions and risk tolerance, and ensures your investments support both your lifestyle and long-term retirement objectives.
How do you support complex or high-net-worth retirement planning?
For clients with significant or complex assets, we provide bespoke advice that considers tax, succession, and intergenerational objectives. We coordinate across investments, insurance, and estate strategies to ensure your retirement plan protects and grows your wealth for you and future generations.

Ready to plan with purpose?

Reach out to our wealth management team for a confidential conversation today.