Can you help if a family member needs to move into aged care?

Yes. Aged care is one of Sharon’s specialist areas. She has personally been through the process with her own parents, so she understands both the paperwork and the emotional side of these decisions.

Do I need to come to your office for a meeting?

No. Sharon is fully mobile and can meet you at a time and place that suits you, whether that’s your home, a local café or over the phone.

Do you only help people aged 60 and over?

Yes. Retirement & Beyond works exclusively with clients aged 60 and over, focusing on the specific financial decisions that come with retirement, aged care and downsizing.

How are your fees structured?

All advice is provided on a fixed-fee basis, agreed with you upfront and in writing. Retirement & Beyond doesn’t charge percentage-based fees or receive commissions from product providers.

What does Centrelink/DVA project management involve?

Sharon manages the back-and-forth with Centrelink or the Department of Veterans’ Affairs on your behalf, helping you access entitlements like the Age Pension, Carer Allowance or Support at Home without the usual stress and phone queues.

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Welcome to

Retirement and Beyond Financial Planning

This specialised Cannon Hill practice provides exclusive financial planning for clients aged 60 and over, ensuring your goals are always listened to and never dictated to. You will receive dedicated support from start to finish, benefiting from transparent fixed-fee advice with absolutely no percentage-based charges or hidden commissions.

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Your Retirement

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Your Voice

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Fixed Fees

Specialist Advice For Ages 60+

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Who We Are

Trusted Retirement & Aged Care Advice

Retirement and Beyond Financial Planning is led by Sharon Kennedy, Director and Principal Financial Planner, who specialises in clients of 60 years and over. Since the early 1980s, Sharon has built a rich base of experience in corporate and personal superannuation, becoming a financial planner in 2009 and discovering her true passion for retirement, aged care and Centrelink/DVA advice soon after. Based in Cannon Hill, Queensland, Sharon is fully mobile and happy to meet you wherever suits you best. As a one-person practice, you deal with Sharon personally from your very first conversation, on transparent, fixed-fee terms with no percentage-based charges.

Fixed Fees, No Percentages, No Commissions

Fully Mobile – We Come To You

Aged Care & Centrelink/DVA Specialists

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What We Do

Financial Planning for Retirement

Retirement and Beyond Financial Planning provides retirement strategies, downsizing – Over 60’s lifestyle parks and retirement village advice, estate planning, support at home advice, aged care advice and Centrelink/DVA project management. Every service is designed to help you move confidently from building wealth to managing it well throughout retirement, with advice that’s tailored to your goals, your family and your circumstances.

Retirement Strategies

Build a retirement plan that supports your lifestyle, income, and long-term financial security.

Downsizing & Over 60s Lifestyle Advice

Receive independent advice to help you confidently downsize and plan your next stage of life.

Estate Planning

Create a clear estate plan that protects your assets and provides for your loved ones.

Support at Home

Understand support at home costs, government support, and funding options with expert guidance.

Aged Care Advice

Make informed aged care decisions with personalised advice on fees, funding, and affordability.

Centrelink/DVA Project Management

Get expert assistance with Centrelink and DVA applications to maximise your eligible entitlements.

Our Services

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Experienced Care

Aged Care Advice From Someone Who's Been There

Sharon has personally been through the process of moving her own parents into aged care, and understands first-hand how overwhelming and emotional it can be. That experience shapes the way she works with every client facing similar decisions today, with patience, clarity and genuine empathy. Retirement and Beyond Financial Planning also charges fixed fees only, with no percentage-based charges or commissions, so you always know exactly what you’re paying for and why.

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Qualifications Held:

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Master of Financial Planning

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Ethics and Financial Professionalism in Financial Advice

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SMSF Statement of Attainment

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Aged Care Steps Accreditation

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Diploma in Financial Planning

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Advanced Diploma in Financial Planning

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Graduate Certificate in Financial Planning

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Graduate Diploma in Financial Planning

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Our Reviews

Client Testimonials

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How We Work

Our Process

1. Free Initial Chat

We start with a complimentary 20-minute phone conversation to understand your situation, answer your questions and see how Retirement and Beyond Financial Planning can help.

2. Personalised Meeting & Plan

If a more formal meeting is needed, Sharon gathers the details required to prepare your advice, discusses fees openly and provides a clear engagement letter before any work begins.

3. Tailored Advice & Ongoing Support

Once you’re ready to proceed, Sharon implements your advice and stays by your side with regular reviews, keeping your plan on track as life changes.

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FAQs

Frequently Asked Questions

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General Advice Warning

The purpose of this website is to provide general information only and the contents of this website do not purport to provide personal financial advice. Retirement and Beyond Financial Planning strongly recommends that investors consult a financial adviser prior to making any investment decision.

The contents of the Retirement and Beyond Financial Planning website does not take into account the investment objectives, financial situation or particular needs of any person and should not be used as the basis for making any financial or other decisions.

The information is selective and may not be complete or accurate for your particular purposes and should not be construed as a recommendation to invest in any particular product, investment or security. The information provided on
this website is given in good faith and is believed to be accurate at the time of compilation.

You should obtain a copy of the PDS and Target Market Determination relating to the product and consider it before making any decision to acquire the product.