The adviser behind your retirement.

Quiet confidence, earned over decades

For most of our clients, retirement is the first time their money has had to do all the work. That deserves an adviser who listens first — and only then advises. We specialise in retirement income, Age Pension strategy, superannuation, SMSF and estate planning for Australian retirees and pre-retirees.

We are fee-transparent, fiduciary and Australian-owned, with no products to push and no hidden incentives. The advice you receive is shaped by one thing only: the life you want to be living.

Meet Theodore Karoumbalis

Theodore Karoumbalis is the principal adviser at iAdvice. He helps Australians turn decades of saving into a reliable, tax-aware income that lasts — pairing technical depth in superannuation, the Age Pension and aged care with a plain-spoken, unhurried way of explaining it.

He is an Authorised Representative (No. 1237098) of iAdvice Technology Pty Ltd, which holds Australian Financial Services Licence No. 526700.

• ✔Principal Adviser — iAdvice Technology Pty Ltd
• ✔Authorised Representative No. 1237098
• ✔Specialist focus: retirement income, Age Pension, superannuation, SMSF, aged care, estate planning

LinkedIn profile → ASIC Financial Advisers Register →

How we work

We start with the life, not the lump sum. Good advice begins with what a good week — and a good decade — looks like for you, then works back to the income, structure and safeguards that fund it.

We plan for the Age Pension deliberately. For most Australian retirees it does real work in the plan, from day one or as a later safety net. We build it in rather than treat it as an afterthought.

We keep it reviewable. Markets move, rules change and life does too. Your plan is a living document we revisit — so the goal is never a perfect number, but the confidence to spend what you saved on the life you saved it for.

Licensing & trust

iAdvice publishes general financial information under an Australian Financial Services Licence, and our adviser's authorisation is verifiable on the government register.

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