Retirement Planning

This is What You've Been Working For

Chances are that you would like to eventually set your work aside and take time to enjoy the fruits of your labour. One of your biggest rewards will be having the flexibility and freedom to spend more time with your grandchildren. Worrying about money shouldn't be something you need to be thinking about. As you get closer to retirement your goals and needs become considerably clearer. At this stage, it is very important that you take the time to develop a sustainable and finite plan. A sound retirement plan will help you to make realistic projections regarding how much you will be able to spend and help you implement strategies to maximize your assets.

If you are nearing retirement, you have a lot to think about. You are about to take a very big and important step. There's no substitute for expert advice and counselling. We are experts in this field and can help you develop a plan that will give you the peace of mind you need.

Ensuring Your Retirement Success

We devote the bulk of our lives to our work, we save and invest our hard earned money, and we hope to accumulate enough to retire comfortably. Once we do retire, the wealth we have accumulated must last the rest of our lives. With proper foresight and planning you can accomplish your retirement goals and maintain the lifestyle you desire, once you have stopped working.

Your plan must include a statement of what you are seeking to accomplish. Some investors are simply looking to preserve their current wealth, while others are working to reach a targeted value. Others would like to be able to leave something to their heirs.

The three main sources of income in retirement are:

  • Superannuation – pension income stream and/or lump sum withdrawals
  • Non-superannuation assets – returns from shares, property, cash and fixed interest
  • Centrelink – age pension benefits

How to structure your retirement income stream will depend on your individual situation, so it's important you get professional advice.

You don’t need to know the ins and outs of financial planning , that’s our job.

We’ll help you understand your current situation, choose and prioritise realistic goals, set plans in motion to achieve those goals and make adjustments along the way if things change.

This isn’t just about what you do with your money when you retire. It’s about ensuring you get great advice in the years leading up to retirement to take advantage of the various strategies we employ to maximise your earnings in the pre-retirement and retirement period. By doing this, your goal of a happy and prosperous retirement can become that much closer to reality.

Contact us to find out how we can help you best plan for your future