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

Whilst there is often no single cause for market volatility, there are some conditions that can lead to it. In recent times, we have seen concerns about when interest rates and inflation, the perception of a housing market bubble, and instability in global affairs affect the ability of investors to obtain a reliable picture of the future. While these kinds of stories are not new and may not have triggered the recent stock market fall, they are some of the forces at play in the current market turmoil.
The type of concession card you may be eligible for is based on your age and circumstances. A Pensioner Concession Card (PCC) is issued to pensioners, a Low Income Health Care Card (LIHCC), is issued to someone on lower income, regardless of their age, and a Commonwealth Seniors health Card (CSHC), is available to someone who is above age pension age and doesn’t qualify for any social security payment.
The last 3 years in markets have been a challenging time, first came COVID and then the Russian invasion of Ukraine, it’s hard to see the light at the end of the tunnel. Household consumption is the primary force behind economic growth and it’s been experiencing a difficult combination of soaring mortgage rates, increased living expenses and persistent inflation. Together, these things are causing a decrease in disposable income. These strains are likely to persist for a while yet and are causing the short-term fluctuations you might be seeing in your portfolios, depending on your level of share exposure.