Retirement Transition Programs for Australian Employees
Provide flexible, personalised support that honours your employees' contributions and prepares them for what's next.
Why Retirement Support Strengthens Your Employer Brand and Culture
Supporting your people through the move into retirement isn’t just a nice-to-have — it delivers meaningful business value.
Strengthen Your Employer Brand
By showing you care about every stage of an employee’s career — including retirement — you reinforce your reputation as a people-first employer and boost attraction and retention, and demonstrate your people-first credentials
Foster a Culture of Continuity and Respect
A structured retirement transition programme signals respect for experience and promotes a positive culture where each person’s contribution matters till the end.
Secure Critical Knowledge Transfer
Planned transitions (rather than abrupt exits) give you space to capture institutional wisdom, mentor successors, and retain key expertise.
Sustain Performance and Engagement
Employees who feel supported in their later-career phase are more likely to remain motivated, engaged and productive — helping maintain momentum during periods of transition.
An HR Manager's Complete Guide to Transition to Retirement
Retirement is no longer a predictable endpoint at 65. For today's organisations, it is a complex, multi-stage transition that carries real risks, knowledge loss, legal exposure, and workforce disruption, alongside a genuine opportunity to support long-serving employees with dignity and intention.
This guide equips HR leaders with a practical, human-centred framework for managing transition to retirement conversations, succession planning, and employee support in a way that protects both people and organisations.
Redesigning the Retirement Experience — with Choice, Care, and Purpose
Retirement marks more than the end of a career — it’s the beginning of a new chapter. For many employees, this transition can bring excitement and relief, but also uncertainty about identity, purpose, and financial security. Supporting your people through this stage isn’t just the right thing to do — it’s essential to maintaining trust, engagement, and wellbeing.
With RetireHub, you can offer a flexible, holistic Transition to Retirement solution that combines guided programs, interactive workshops, and credit-based access to our career, money, and lifestyle services. This approach empowers every individual to design a retirement journey that’s uniquely their own — while helping your organisation show genuine care and strengthen your employer brand.
Comprehensive Support Through Every Stage of Retirement
RetireHub provides comprehensive support for employees approaching, preparing for, and living through retirement.
1
RetireHub Program
Personalised Guidance and Tools
At the heart of our Transition to Retirement solution is the RetireHub Program, designed for mature-aged employees. Each participant gains access to our RetireHub, featuring a choice of coaches, retirement coaching sessions, and CareerCanvas Assessment & Debrief, to help them identify their goals and plan with purpose. They can explore on-demand resources, use the My Life Plan Goal Setting Tool, and access our Career Money Life Marketplace for additional lifestyle, career, and wellbeing support.
2
Marketplace Credit
Empowering Personal Choice
Every retirement journey is unique — which is why flexibility is at the core of RetireHub. Through our Marketplace Credit system, employees can choose the services that matter most to them, whether that’s financial coaching, wellness programs, or lifestyle planning. You set the credit amount per employee, maintaining cost control while giving your people meaningful choice. Any unused credits roll back to your organisation for repurposing, ensuring complete transparency and efficiency.
3
Workshops
Learning, Connection, and Community
Our RetireHub Workshops bring people together to learn, share, and plan their next chapter with confidence. Delivered in-person across major cities or virtually, these sessions offer practical insights, peer connection, and expert guidance on navigating life after work. Workshops can be tailored to your organisation’s needs and calendar, making it simple to manage participation through the RetireHub platform.
Support your people to plan their next chapter — their way.
RetireHub brings together technology and human connection to deliver flexible, personalised retirement support. With over 600 community-based suppliers across Australia and New Zealand, employees can access expert coaching, training, and planning services — online or face-to-face. It’s a high-tech, high-touch solution that helps every individual prepare for retirement in the way that suits them best.
RETIREMENT COACHING
Connect with expert Retirement Coaches for tailored sessions that help clarify goals, find purpose, and plan for life beyond work.
MARKETPLACE CREDIT
Offer your people the freedom to choose the support they need — from over 500 trusted providers across financial, lifestyle, and wellbeing services.
CAREERCANVAS ASSESSMENT & DEBRIEF
Gain personal insights into strengths, values, and work style — a foundation for meaningful retirement planning and goal setting.
RETIREHUB ONDEMAND
Access a library of bite-sized videos, articles, and podcasts covering financial literacy, wellbeing, and retirement readiness.
LIVE SESSIONS
Join interactive weekly sessions on wellbeing, financial confidence, mindfulness, and goal achievement throughout the program.
MY LIFE PLAN (GOAL-SETTING TOOL)
Use this guided reflection tool to set whole-of-life goals and turn personal insights into action.
CASE STUDY
A flexible transition-to-retirement partnership with a global engineering firm
A global engineering and design firm partnered with Career Money Life to offer a flexible, opt-in transition-to-retirement program for employees 55+. Through RetireHub and Marketplace Credits, staff accessed personalised coaching, financial guidance, and wellbeing support—helping them plan their next chapter with clarity while reducing HR workload through streamlined, self-service processes.
Read Case Study
4.8 Feedback Rating
RetireHub Workshops
Enhance the RetireHub experience with engaging, interactive workshops designed for employees preparing for retirement. Delivered in person or live online, these sessions create a supportive space for connection, shared learning, and personal reflection. Participants build confidence, explore new possibilities, and prepare for their next chapter with clarity and purpose.
Our workshops explore the topics that matter most during this important life transition:
Mental Health & Wellbeing in Retirement
Develop practical strategies for emotional health, resilience, and maintaining a sense of balance post-career.
Superannuation Readiness
Gain practical insights into budgeting, income strategies, and managing cash flow for a secure financial future.
Meaning & Purpose in Retirement
Discover the phases of retirement and explore pathways for continued purpose, contribution, and fulfilment.
New Life Pathways
Explore fresh opportunities — from volunteering and board roles to hobbies, education, and passion projects that inspire purpose.
Government Benefits & Retirement
Understand Centrelink entitlements, concessions, and actionable steps for financial readiness.
HRHub is your secure, all-in-one platform for seamlessly managing Career Money Life programs. Designed for HR teams, it simplifies every step—from setup to reporting—so you can focus on supporting your people.
SEAMLESS
SETUP
We'll create individual programs and send personalised welcome notifications.
REAL-TIME
INSIGHTS
Sign in anytime to view usage metrics, invoices, and reports.
FLEXIBLE
MANAGEMENT
Allocate and roll over credits as needed, or use your account credit on other Career Money Life programs.
Discover how our Transition to Retirement program supports smoother, more positive retirements.
Over the past few years, we have run a number of Changing Gears programs with overwhelmingly positive feedback from participants. Central to the feedback has been the personalised and professional advice provided by Wayne and the team and the holistic approach that encompasses not only financial but also lifestyle factors.
Water Supply Company
Career Money Life has been consistently responsive and easy to work with. Every interaction is met with quick action and clear communication. Even with only a small number of employees using the Transition to Retirement service, the experience has always been positive and seamless. Their team also takes the time to outline additional support options, which gives us confidence as our needs evolve.
Global Engineering Firm
We’ve been impressed by how comprehensive the support is — not just financial aspects, but the emotional and lifestyle considerations that are often overlooked. Employees walk away feeling more prepared for their next chapter, and that’s exactly the outcome we want as an organisation.
Food & Beverage Network
The feedback from participants has been excellent. The program helps employees think about retirement in a more holistic way, and the guidance they receive has helped them feel more prepared and optimistic about what comes next. It’s been a great investment in our people
Food & Beverage Network
We’ve been impressed by how comprehensive the support is — not just financial aspects, but the emotional and lifestyle considerations that are often overlooked. Employees walk away feeling more prepared for their next chapter, and that’s exactly the outcome we want as an organisation.
Legal Services Firm
The feedback from participants has been excellent. The program helps employees think about retirement in a more holistic way, and the guidance they receive has helped them feel more prepared and optimistic about what comes next. It’s been a great investment in our people
Food & Beverage Network
How our Transition to Retirement programs made a difference in life beyond work.
Tonia was extremely knowledgeable and I now have a far greater understanding of all things superannuation. She explained super in simple terms and provided me with a lot of tools to ahead with my retirement planning.
Ben, Water and Sewerage Sector Employee
The Changing Gears workshop was incredibly relevant to me as I approached retirement. It covered all aspects of future planning and provided the information I needed to move forward with confidence. Well-structured, enjoyable, and very enlightening.
Alex, Gaming Industry Employee
Everything was informative and clear - all the details we discussed. I like that Career Money Life was providing readiness and knowledge for people planning for retirement. I don’t think many companies have a plan for us so it was great to have something that forces you to be proactive in preparation for long term planning
Casey, Real Estate Industry Employee