Financial Advisor Cheltenham

You should look for advisors who are licensed, experienced and familiar with local lifestyles in the Cheltenham area. A good financial planner in Cheltenham will create a plan that suits your life stage. As Authorised Representatives of Count Financial Limited (AFSL 227232), Vista is a qualified financial advisor in the Cheltenham area and holds a 5-star Google Review rating from satisfied clients like Peter & Linda, who value our integrity and genuine care.

A financial planner in Cheltenham helps map out a practical retirement plan based on your unique circumstances. We help you figure out where you are, where you want to be and how to get there. This includes strategies for dual-income households, investment tax, Centrelink, cash flow and a personalised strategy. Vista gives you clarity about your situation and confidence about your future.

Absolutely. As a local financial advisor in Melbourne, we understand the financial requirements for Cheltenham locals and those seeking to retire there. We provide financial planning in Cheltenham for a range of clients, including:

• Families
• Business owners
• Pre-retirees
• Retirees
• Elderly Australians

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No matter your financial situation, we create a tailored plan that aligns with your retirement goals. Vista Financial Group is the partner of choice for those seeking an experienced, honest and trusted financial advisor in Cheltenham.

You can access your super when you reach your preservation age and meet a condition of release. If you were born after 1 July 1964, your preservation age is 60. You can access your super tax-free after age 60 if you’ve retired, and everyone can access it from age 65, regardless of work status. For those building towards retirement, a retirement planner in Cheltenham will ensure your super is in the best possible condition.

Carry forward allows you to use any unused concessional super contribution caps from previous years, going back up to five years. If your super balance is under $500,000, you may be able to contribute more than the standard $30,000 annual cap. This is a particularly helpful strategy for pre-retirees in Cheltenham wanting to make the most of their final working years. Vista’s financial planning in Cheltenham considers this and other strategies to help you avoid tax and set you up for a comfortable retirement.

Knowing when to retire and how much you need depends on the lifestyle you want. ASFA estimates that couples spend roughly $73,000 a year, while retirement for a single person costs roughly $52,000 per year. A financial advisor in Cheltenham will help you determine the amount you need to retire comfortably while maintaining your lifestyle. Vista will help you determine the right number for retirement planning in Melbourne and assist with your transition into retirement.

Eligibility depends on whether you own your own home. For a homeowner couple, the full pension cuts out at around $470,000 in assets, excluding the home. It’s still possible to receive a part pension up to around $1 million in assets. These thresholds change frequently, so it’s important to use a retirement planner in Cheltenham to ensure you have access to the current figures and can create a retirement plan around them.

Stamp duty depends on your individual circumstances and the property value. Victorian pensioners receive concessions for this payment. A Vista financial advisor can help you assess the financial impact of downsizing and whether it’s a good financial decision for you. Our financial advisors in Cheltenham consider the tax implications of downsizing and how it supports your broader retirement strategy.