Empowering Institutions with Advanced RETIREMENT EXPERTISE
At Apricot, we specialise in delivering sophisticated modeling and designing solutions tailored for the retirement phase. Our offerings are crafted to help institutions enhance their service offerings and product management strategies, ensuring compliance, and elevating client satisfaction.
How much is enough?
When it comes to planning for retirement and providing guidance to clients about their financial future, this is a question you’ve no doubt heard before.
We think that having the peace of mind to know how much super you need at each age and how money you can safely spend in retirement is every Australian’s right. We also believe that deciding to leave work and pursue quality time with family, travel goals, hobbies, or whatever a person wants to do, should be met with confidence (jubilance) not anxiety.
For many people, the question of “how much is enough” means they face retirement with uncertainty and trepidation, despite having a solid amount of savings. People are familiar with lump sums: what superannuation balance they have, the value of their home and other assets. But how many people know what income they can confidently rely on to replace their salary after they exit the workforce? Big numbers like net worth are hard to translate into a long-term view. Budgeting for your long term future is ‘actuarial’, particularly when it comes to the unknowns around lifespan, markets, and inflation.
We’re solving that problem. An example of our skills in action is our B2C service called Jubilacion (Jubilacion is the Spanish word for retirement). Jubilacion is a division of Apricot Actuaries that helps consumers understand exactly what lifestyle they can be confident in having throughout retirement. As Actuaries, we love complex maths and models. We’ve devised a world leading process that removes the guesswork for clients when they want to know what lifestyle choices they can make today – knowing their future will be OK.
Live today, confident you have enough for your tomorrow.

Our Core Strengths:
- Advanced Modeling Expertise: Leveraging deep actuarial knowledge, we design robust decumulation frameworks that address complex cashflows, longevity risk, market volatility, and income sustainability.
- Proven Code Library: Our extensive repository of calculation tools and modeling techniques accelerates development, ensuring rapid deployment and customization without compromising quality.
- Client-Centric Approach: With a focus on real-world application, our solutions are tested and refined through direct client engagement, ensuring they meet the evolving needs of retirees.
Why Partner with Us:
- Enhance Assets Under Management: Building retirement solutions that fulfil client needs increases client retention and serves as a strong pull to attract high balance customers.
- Stay Ahead of Compliance: We’re experienced in a wide range of business models in the financial planning / advice tech space. We are familiar with ASIC rules and requirements and have previously engaged with the ASIC Innovation Hub.
- Elevate Your Brand: By delivering reliable and client-approved solutions, we help institutions build trust and recognition in the market.
- Achieve Excellence: Our commitment to quality positions our partners for success and we’re experienced in working project teams from a full range of disciplines.
Discover how Apricot Actuaries can transform your retirement solutions.

Getting retirement right means deeply understanding what consumers need from the institutions they deal with. It means viewing retirement through their eyes (not your own KPIs). For example:
Approaching Retirement (planning to retire in 1-10 years)
- Am I on track for retirement? What do I need to think about?
- Have I saved enough to retire now? What about earlier/later?
- What if I work part time for a few years?
- Will I get an Age Pension? How much and when?
Accumulating (planning to retire in 10+ years)
- Am I saving enough?
- What lifestyle can I expect in retirement?
- What can I do to retire earlier?
Already Retired
- Do I have enough to last my full lifespan?
- If so, can I help my kids / renovate the home / purchase a holiday house / leave a bequest…etc?
- If not, what are my options?
Follow us on social media to keep up to date with promotions and exciting new products.