Retire with certainty
Live life with clarity and confidence – not anxiety – knowing a positive future is on the horizon.
The decisions you make today will shape your retirement, which is why it helps to have an expert in your corner. Let’s cut through the overwhelm and build a clear plan – together.
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Thinking about retirement?
My expert guidance will help if:
You’re not sure where to start when it comes to getting your finances in order
You don’t know how much money you really need to live well in retirement
You’re unsure about estate planning and protecting your wealth for your family
You need guidance on how to invest confidently for the long term
You feel stuck – it’s all too scary and overwhelming
Let’s get your financial strategy in order, so you can focus on the exciting part – your future.
Hi, I’m Lucian
I’ve been a financial adviser for three decades, and I still feel grateful to support clients during this pivotal stage of their lives – whether they’re beginning to think about retirement, preparing to step away from work or already navigating this next chapter.
I bring a warm, considered approach to every client relationship. Whatever else may be happening in your life, you can feel confident that your financial affairs are in order – and that your money is working as hard as it can for you.
I see too many people working longer than they need to, often driven by fear or uncertainty. I believe life is for living, and I work with my clients to put long-term systems in place so they can step into retirement with certainty.
Here’s who we work with
You’re planning to retire within the next 10 years and wondering how to reach your ‘magic number’.
You’re 60+ and looking for smart, strategic ways to protect and maximise your wealth.
You need expert investment and estate planning advice to help you achieve your long-term goals.
Why clients choose Emu Wealth
1) I’ll walk beside you on your financial journey.
I’ve worked with hundreds of clients across every stage of the journey to retirement. Whatever your starting point, I’ll be right beside you, offering clear guidance and helping you move towards outcomes that align with your long-term goals.
2) It’s about more than money.
For me, true wealth isn’t just about numbers on a page. It’s about health, balance and meaningful experiences, creating a life that feels rich in every sense.
3) Industry experience that counts.
From optimising superannuation and navigating government entitlements to implementing effective tax strategies, my decades of experience mean you can trust that nothing important is overlooked – and every decision is made with your future in mind.
1) I’ll walk beside you on your financial journey.
I’ve worked with hundreds of clients across every stage of the journey to retirement. Whatever your starting point, I’ll be right beside you, offering clear guidance and helping you move towards outcomes that align with your long-term goals.
2) It’s about more than money.
For me, true wealth isn’t just about numbers on a page. It’s about health, balance and meaningful experiences, creating a life that feels rich in every sense.
3) Industry experience that counts.
From optimising superannuation and navigating government entitlements to implementing effective tax strategies, my decades of experience mean you can trust that nothing important is overlooked – and every decision is made with your future in mind.
1) I’ll walk beside you on your financial journey.
I’ve worked with hundreds of clients across every stage of the journey to retirement. Whatever your starting point, I’ll be right beside you, offering clear guidance and helping you move towards outcomes that align with your long-term goals.
2) It’s about more than money.
For me, true wealth isn’t just about numbers on a page. It’s about health, balance and meaningful experiences, creating a life that feels rich in every sense.
3) Industry experience that counts.
From optimising superannuation and navigating government entitlements to implementing effective tax strategies, my decades of experience mean you can trust that nothing important is overlooked – and every decision is made with your future in mind.
Kind words from clients
How to get started
1) Book in your complimentary 15-minute call to talk through your current situation and what you’d like to achieve.
2) If it feels right to move forward, we’ll schedule a 1-hour Discovery Meeting where I’ll outline practical steps we can take to protect your wealth and support your long-term goals.
3) From there, you can come on board as a client and enjoy the peace of mind that comes from knowing your financial life is well organised and working in your favour.
Let’s see if we’re a good fit
I’d love to connect for a free, no-obligation chat. Book a time below to discover how working with Emu Wealth will bring confidence and clarity to your retirement planning process.
Building your
retirement plan
If you’re in your 50s or early 60s and are conscious that retirement is on the horizon, you’ll want to turn overwhelm into action. Together, we’ll put strong foundations in place – so you understand where you’re headed, what’s possible, and how to make the years ahead work in your favour.
Putting your retirement strategy into action
As retirement moves from concept to reality, I’ll fine-tune your strategy, manage the transition away from full-time work, and ensure your income, investments and entitlements are aligned to support the life you want to live.
Protecting your
legacy
Ensure your wealth supports the people and causes that matter most to you, both now and in the future. Through considered estate planning and long-term investing, I’ll create protection and peace of mind for the years ahead.
Frequently Asked Questions
Curious about working with Emu Wealth?
Here are some of the most common questions our new clients ask. If your query isn’t covered below, you’re always welcome to get in touch for a conversation.
How do I know if your services are right for me?
If you’re starting to think seriously about retirement and want expert guidance to help you move from feeling anxious and uncertain to calm and confident, I can help.
I work with clients across different stages of the retirement journey – from those in their early 50s who want to start putting strong foundations in place, to those in their 60s who want to ensure their financial affairs are in order before stepping away from full-time work.
With decades of experience and a clear, practical approach, I help demystify what can feel like an overwhelming process and support you to retire with certainty.
You can find more information on the Emu Wealth Services page.
What happens during the first call?
The first step is a complimentary 15-minute call, where we’ll talk through your current situation and what you’re hoping to achieve.
I’ll explain how I work, the advice process, and the types of outcomes I typically help clients work towards. If it feels like a good fit, we’ll then schedule a one-hour Discovery Meeting, where we’ll dive deeper into the details and begin shaping a clear, considered strategy – whether that’s retirement planning, transitioning into retirement, or estate planning.
There’s no obligation at this stage – it’s simply about clarity and fit.
What results have you achieved for clients?
Every client’s situation is different, shaped by factors such as their assets, investments, family circumstances, timeframes and personal goals.
That said, the one outcome my clients consistently share is peace of mind. They feel clearer about where they stand, more confident in the decisions they’re making, and reassured that their financial strategy is aligned with the life they want to live – both now and into the future.
Are you accredited by any professional bodies?
Lucian Russ is authorised by Cobalt Advisers to provide financial services and advice in the following areas:
- Basic deposit products
- Debentures, stocks and bonds
- Life insurance (personal and business)
- Managed investments
- Investor Directed Portfolio Services (IDPS)
- Retirement Savings Accounts (RSA)
- Securities
- Superannuation
- Self-Managed Superannuation
Lucian holds the following qualifications and professional designations:
- Bachelor of Arts (Humanities – Philosophy), 1994
- Advanced Financial Planning Certificate (UK), 2000
- Certified Financial Planner (FPA), 2005
- Diploma of Financial Planning, 2010
- Advanced Diploma of Financial Planning, 2012
- SMSF Specialist Adviser (SPAA), 2013
- Graduate Certificate in SMSF (University of Adelaide), 2013
- Professional Practice Designation (FPA), 2015
- AMP Adviser of the Year, 2016
- Graduate of the Australian Institute of Company Directors, 2021
For further details, please refer to the Emu Wealth Financial Services Guide.
How do you ensure confidentiality and protect my information?
Your privacy and confidentiality are taken extremely seriously at Emu Wealth.
All personal and financial information is handled in accordance with Australian privacy laws and strict professional standards. Secure systems and processes are used to protect your data, and information is only accessed or shared where required to provide advice or meet regulatory obligations.
You can feel confident that your personal details, financial position and conversations are treated with discretion and respect at all times.
Where are you based, and can you work with clients outside Australia?
Emu Wealth is based in Adelaide, South Australia, where we’ve supported clients through major financial life transitions – including retirement – for many years.
We also work with clients across Australia via phone and video meetings. At this stage, we’re unable to assist clients who are permanently living overseas.
What is your fee structure?
We believe in full transparency when it comes to fees.
Every client’s situation is different, so fees are tailored to reflect the complexity of your circumstances and the advice required. All costs are discussed and agreed upfront, so you’ll always know what to expect before moving forward – with no hidden extras.
