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Retirement Planning

A successful retirement is just as much about getting the lifestyle right as it is about your financial decisions. Having helped many clients over many years, we can help you explore this.

  • How will you be spending your time?
  • Do you plan to travel a lot around Australia and need a lock-and-leave home?
  • Will you be having a few short holidays close to home, so you can spend time with the grandkids?
  • Would you like to do some volunteering or casual work?
  • Are you and your partner on the same page with your retirement plans, or do you need to work through some challenges?

Discussing these types of questions is key to creating the right financial plan for you and your retirement that will:

  • Generate the income you need in the most tax effective manner
  • Provide a clear picture of how long you can expect your capital to last – and adjusting spending plans or investment strategies to make sure you don’t outlive your savings
  • Make sure any Centrelink or DVA entitlements are factored into your financial plan
  • Ensure you have access to liquid funds to cover holidays, car upgrades and other one-off purchases
  • Include the investments and product types that are most suited to your personal retirement plans

We’ll then meet regularly – usually once a year – to check things are going well. Of course, if there have been any significant changes to your situation, we can make the appropriate recommendations and adjustments.

We’re here to help make sure your financial plan suits you at every stage of your retirement.

Request an appointment for Retirement Planning

Latest insights

Australia’s superannuation system has achieved significant growth, with assets increasing from $150 billion in 1992 to over $4 trillion today, and projections estimating it could reach $9 trillion by 2040. This growth has positioned the system as one of the largest pension pools globally. Over the past 20 years, regulatory efforts have encouraged consolidation, reducing the number of funds by 93%. This has led to the emergence of large-scale funds that now dominate the sector, controlling over half of its assets.
Are your investments well diversified? Do they align with your personal risk profile? Do they cleverly optimise risk and return? Are you a believer that time in the market beats timing the market?