Peter, a 62-year-old resident of Beaumaris, recently made a career move that helped him access his superannuation earlier than expected.

After more than two decades in the same role, Peter formally ended his employment with his long-term employer and accepted a part-time position with a different organisation in Bayside Melbourne. Although he wasn’t retiring completely, ceasing his previous job meant he met a condition of release under superannuation law for those aged 60 and over.

By following the guidance of his Financial Adviser, Ashley Smith, Peter re-structured his affairs and began drawing a tax-free income stream from his new pension account while continuing to earn a salary. It also allowed Peter to transition the majority of his funds into an environment that pays no tax on income or capital gains, meaning Peter's super balance will be better off.

It’s a strategy that can suit those who want more flexibility as they approach retirement.

“Advice at this stage of life isn’t solely about accessing super—it’s about structuring income in a way that supports lifestyle and minimises tax,” says Ashley Smith. “Even small changes, like switching jobs, can have a big impact when planned appropriately.”

Peter’s experience shows that retirement doesn’t have to be a single event. Understanding how employment changes interact with super rules can open up new options—especially when supported by tailored financial advice that identifies and maximises opportunities as they arise.

If you’re in a similar situation to Peter, reach out to Ashley to chat about how we can help.

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Book a chat with Ashley Smith here