Planning Retirement?
Your legacy is already happening
It’s easy to think of legacy as solely something you leave behind. But, at Generational Retirement Wealth we believe it starts a lot earlier — in the years you’re living right now, and how well you get to live them.
The hardest questions in retirement aren’t the financial ones
By the time most clients come to us, making the money is largely sorted. They’ve bought good assets, built businesses, sold them, invested carefully, done the hard part. What they haven’t done is work out the best way to proceed and sometimes even decide what all of it was for.
So we ask different questions
What do you actually want these years to look like? Who do you want to spend them with, and doing what? What are you protecting, and who for?
And we ask about health, and time, and family — because the legacy that matters most to our clients is rarely the one on the balance sheet. It’s the trips taken while everyone was well enough to enjoy them. The grandchildren who knew you properly or the events and activities that keep you engaged and wanting to do more, give more, live more fully. The presence, not just the provision.
That’s what wealth is for. That’s all it was ever for.
Our People
Ian Byrne
Financial Adviser GRW Advisory
QUALIFICATIONS & CREDENTIALS
Ian graduated from Deakin University with ‘Top Graduate for Queensland’ honours, winning the BT Prize & fourth overall in Australia and has held positions in both national and local planning organisations as Director, Business Owner and Senior Financial Planner.
Zakari Glatthor
Financial Adviser GRW Advisory
QUALIFICATIONS & CREDENTIALS
As a Certified Financial Planner holding a Master of Financial Planning and a Graduate Certificate in Self-Managed Superannuation Funds (SMSF), I am passionate about helping individuals and families make confident financial decisions that create lasting prosperity.
Christine Byrne
Customer Service Officer
Bachelor of Education, Master of Accounting
Client Services Officer with more than 16 years of experience; committed to providing prompt and professional support.
I am passionate about helping both clients and colleagues and contributing to a workplace that builds trusting relationships and provides exceptional service.
When I am not working I love catching up with family and friends, gardening, bushwalking and helping out with my SES group.
Minna Baker
Paraplanner
Diploma of Information Technology (Systems Administration) & Diploma of Information Technology (Network Engineering)
With over 20 years of experience in administration, I have built a strong foundation in compliance, reporting, and office management across a variety of professional environments. My background also includes more than four years in information technology, supporting user account management, permissions, network builds, and system installation and maintenance.
For the past eight years, I have worked as a Paraplanner in the financial services industry, partnering closely with advisers and clients to enhance the advice journey.
Melissa Stubley
Customer Service Officer
Graduate Certificate in Business Administration, Diploma in Business & Events Management, Diploma in Marketing
With over 30 years of experience in customer service and administration, I have built my career on creating positive customer experiences through professionalism, empathy, and effective communication.
I believe outstanding customer service is built on listening, understanding individual needs, and finding practical solutions that leave a lasting impression.
Outside of work, I enjoy cooking, travelling, and staying active through walking and going to the gym.
Generational. Retirement. Wealth.
At GRW Advisory we built our name on the belief that they shouldn’t be separated.
The wealth you’ve built funds the retirement you’ve earned, and becomes the legacy you pass on. Change one and you change all three — which is why we try to never look at one in isolation.
⸺ OUR APPROACH
You first. Strategies second. Structure third. Investments last.
Plenty of clients arrive wanting to talk about returns. We understand why — it’s the question the industry has trained everyone to ask. But it should be the last question not the first.
It is simply logical. How could any good adviser decide on any investment before knowing all about you, what your situation, goals and aspirations are, what strategies suit over what timeframe and the best structures for these to be implemented?
Strategy:
What you want from your wealth and your time. Not a risk profile — a genuine understanding of the life you’re planning for and the legacy you have in mind.
Structure:
Which entities hold what, and why. This is where most of the value is created, and where most advice never looks closely enough.
Investment:
Only once the first three are settled do we look at where your money sits — because the right investment depends entirely on what it’s for and when you’ll need it.
No two situations are the same. Neither is our advice.
The plan that suited you at sixty rarely suits you at seventy-five, and the client in front of us this week may need something completely different from the last.
Life changes — a health event, a business sale, a marriage, a grandchild, a loss in the family. So we build flexibility into everything, and we stay in front of it.
Your wealth works best when everyone works together
Your accountant, your lawyer, your adviser — GRW Advisory coordinates with everyone, so nothing falls through the gaps and crucial aspects are properly considered for your benefit.
And we make it all make sense to you. We speak your accountant’s language — then break it down into plain English, so you always understand exactly what’s happening with your wealth and why.
Finding the best home for your wealth — whether that’s with us or not.
We’re specialists, which means we’re not for everyone. We work with retirees, pre-retirees and high-wealth individuals and families, and we’ll tell you honestly when a situation sits outside what we do well.
If we’re not the right firm for you, we’ll say so, and point you toward someone we believe is.