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Retirement Planning

Retiring – Sooner or Later?

Whether you’re just a few years away from retirement or just starting your retirement planning, our professionals can help you maximise your retirement income to ensure that all of your needs are fully covered. Even if you are already retired, we can re-evaluate your situation for you and make sure you’re on the right track.

Retirement Still More Than 10 Years Away

When you are in your 30s or 40s, chances are good that you haven’t given much thought to retirement. However, studies have shown that your pension will not be nearly enough to fund the comfortable lifestyle you want in your retirement years, so you are better off starting to save right now.

Common Questions To Consider
  • How much money will I need for retirement?
  • What is the best way to fund my retirement?
  • When can I retire?
  • How much should my employer contribute to my superannuation?
  • Can I fund my retirement with the Super Guarantee alone?
  • What is salary sacrifice?
  • How do I know which super fund is the best?
  • What do I do if i don’t have any superannuation?
  • I have multiple super funds. Should I consolidate them into one fund or keep them as they are?
  • What should I do with the insurance within my super? 
How We Can Help
  • Thoroughly review your financial situation.
  • Help you set short- and long-term financial goals.
  • Determine how much money you will need for retirement based on your lifestyle.
  • Identify your income and expenses.
  • Help develop a new budget and investment plan that will allow you to achieve your short-term & long-term goals.
  • We can recommend strategies that will help you accumulate the money you need to fund your retirement.
  • Review and recommend the appropriate insurance you require.
What To Do Next

If you want us to help you with planning for your retirement, contact us today!

Retiring Within The Next 5 – 10 Years

Many Australians will end up spending more than a quarter of their lives in retirement, due to earlier retirement ages and longer lifespans. This may seem like a good thing, but this places even more emphasis on careful planning for your retirement well in advance.

Common Questions to Consider
  • How much money will I need for retirement?
  • When can I access my super?
  • What are my options for retirement?
  • Will I pay tax on my superannuation if I take it in a lump sum?
  • What are the benefits of taking my superannuation as an income stream?
  • Am I eligible for the Age Pension?
  • How does the Income Test affect eligibility for the Age Pension?
  • How does the Assets Test affect eligibility for the Age Pension?
  • What are the different types of income streams?
How We Can Help
  • Establish when you want to retire and look at how much you need, helping us devise the right strategy for your specific situation.
  • Establish a plan to accumulate enough retirement savings within the timeframe you have.
  • Review and recommend retirement income products, allowing you to manage your money in retirement and maximise any entitlements to social security benefits.
  • Review and update your insurance arrangements to make sure you have the proper coverage.
  • Advise whether you need to create a comprehensive Will or update your current Will.
What To Do Next

If you want us to help you with planning for your retirement, contact us today!

Centrelink Assistance

We assist our clients in applying for the Aged Pension. We liaise with Centrelink on our client’s behalf, ensuring all Centrelink details and payments continue to be correct and current. For more information on how we can help, please contact us.

Already Retired

If you’ve already reached retirement age, you may feel you’re not yet ready to give up work altogether. If you’re eligible for the Age Pension, the government offers incentives for working people to defer claiming it.

On the other hand, if you’ve independently funded your retirement, you may benefit from keeping track of or restructuring your finances so you maximise any government entitlement.

Common Questions to Consider
  • I’ve already retired. Isn’t it just about living off what I’ve managed to save now?
  • I have been retired for two years. Isn’t it too late to change my financial arrangements?
  • Apart from social security benefits, are we eligible for anything else now we’ve retired?
  • Now that we’ve retired, should we downsize our family home?
How We Can Help
  • Monitor your investments and retirement income.
  • Provide regular updates about social security changes that might affect you.
What To Do Next

If you want us to help you with your retirement, contact us today!

This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.