Financial Advisor Bentleigh

Finding a trusted financial advisor in Bentleigh comes down to finding one who holds the relevant qualifications and licenses, takes the time to understand your financial situation and understands local lifestyles. Vista Financial is a local Bayside business headquartered in Beaumaris and is an Authorised Representative of Count Financial Limited (AFSL 227232). We approach financial planning in Bentleigh with integrity, responsiveness and tailored advice. With an average 5-star Google rating, Vista is trusted by Bentleigh residents to secure their futures.

The earlier you start retirement planning in Bentleigh, the better. Even when you’re in your 50s, you’re in a great position to make a noticeable difference. With strategies like carry forward and downsizing, it’s possible to build substantial wealth in your super before you retire. Starting to plan now gives you more flexibility in the future and gives your money more time to work for you. A Vista financial adviser in Bentleigh can create a retirement plan that matches your lifestyle goals.

The cost of financial advice or engaging a retirement planner in Bentleigh depends on the service you require. Different pricing options include:

1. Whether you’re seeking one-off advice
2. An initial consultation fee
3. Hourly rates
4. Ongoing advice fees
5. Flat annual fees
6. Percentage-based fees

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Despite the costs of using a financial adviser in Bentleigh, they help you save money in the long run by making decisions that make your money work harder or by avoiding taxes with tailored strategies.

The biggest levers are contributions, investment choice and fees. Taking advantage of options like carry forward and downsizer contributions can have a large impact. Making contributions early on has a large impact on your superannuation because of compounding and tax advantages. Our financial planners in Bentleigh will help you choose the best investment options and ensure your super account is healthy when it comes time to retire.

There’s no golden number for how much super you should have when considering retirement planning in Melbourne, as it depends on your other assets and life stage. ASFA suggests that a couple needs around $690,000 to retire comfortably while a single person needs around $595,000. A retirement planner in Bentleigh will take a holistic approach and factor in your assets, spending needs and whether you can access the age pension to ensure you’re set up for a comfortable retirement.

You can access your super when you reach your preservation age and meet a condition of release.

• For those born after 1 July 1964, the preservation age is 60
• It’s tax-free for those over 60 who are retired
• It’s tax-free for everyone over 65, regardless of work status

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There are other ways to access your super before you reach your preservation age, such as in an emergency. Even so, it’s important to remember that the longer you go without touching your super, the greater the returns.

“Well” looks different for everyone. It depends on your lifestyle and the standards you’re used to. Some people spend very little a year, while others can’t imagine living on under $100,000 per year. Our financial advisors in Bentleigh focus on making sure your income lasts as long as possible and that you don’t spend your retirement worrying about money. That peace of mind and knowing you’re being helped by professionals who genuinely care is what a good retirement looks like.

The benefit is giving you the ability to live the life you want and the confidence to spend and enjoy retirement. We help you reach these milestones by reviewing your super, tax and retirement income to find gaps and fix any inefficiencies. With expert advice, a financial planner in Bentleigh reduces financial stress and ensures you’re set for retirement or can pass on more wealth to your family. Ready to see what’s possible? Speak with a Vista Financial Group advisor today.