Financial Advice for Retirement Planning

Good news. It’s never too late to start planning for your retirement. In fact, we often advise clients that some structured planning in the last five to ten years before leaving the workforce can make a big difference to the quality of life you enjoy when you eventually do retire.

• Financial circumstances and obligations. Current household income, assets, savings, investments, superannuation and financial commitments
• Pension entitlement. Means testing and calculating your pension entitlement
• Financial and lifestyle aspirations. Help ensure emotional and psychological fulfilment and wellbeing during the next chapter in your life. We’ll build in your lifestyle aspirations as part of our retirement planning process
• Retirement time frame. Where you are now, and where you want to be in the future are key ingredients in determining how and when you can afford to retire to the lifestyle you desire
• How much (money) is enough? Everyone’s needs and expectations in retirement are different, with varying circumstances, expectations and aspirations
• Superannuation and retirement explained. Superannuation savings will form a substantial part of our retirement plans
• Taxation incentives. The Federal Government offers a range of incentives to encourage Australians to use the superannuation environment as a way to save for their own retirement
• Government pensions. With Australia’s ageing population and increased life expectancy, there will be a greater strain on the Age Pension system in the future
• Income and asset tests, estate planning and more!