Pre-Retirees
How we help pre-retirees
Plan smart. Become confident about living the retirement you want.
We provide a strategic plan with measurable outcomes providing confidence to make an informed decision in the future to retire at the appropriate time. Eliminating stress and financial uncertainty – you can retire with confidence.
Our advice includes:
Income and cashflow strategy
Understand and optimise your available cash flow to utilise funds to their full potential. Balancing the benefits of debt reduction, regular investments and super contributions.
Superannuation contributions
Boosting retirement savings through the use of various superannuation contribution methods.
Tax Minimisation
Advice on strategies to tactically reduce taxable income legally, while placing funds advantageously for future retirement goals.
Centrelink and government entitlements
Take a forward look at eligibility for benefits with an eye on assessment criteria – enabling future planning opportunities to best position assets ahead of time.
Estate and legacy planning
Ensure your plan aligns with your broader estate directives and considering opportunities to minimise tax for future beneficiaries.
Frequently asked questions
I want to plan ahead so I can retire. How can you help?
Many people can put funds away for their future; however, we specialise in maximising the use of your income and asset position through the use of contribution and investment strategies which often also leverage tax savings. These can often result in significant improvements in your position ahead of retirement.
Can you help me determine if I am in a position to retire?
Yes, while our advice will propose strategies to build your financial position, we also incorporate future income and asset projections to assess your ability to achieve your desired lifestyle. This provides comfort knowing you’re ready to retire, or alternatively, enables any gaps to be identified and rectified before they become an issue.
I’m thinking about reducing my work hours while I figure out a retirement plan. Can I use superannuation to cover this gap?
Subject to meeting some assessment criteria, you can access an income stream from your superannuation to help offset your reduced work hours. It’s important to consider other implications of this, but there are certainly opportunities to strategically maintain a desired level of income without drastically compromising your full retirement position.
We would like to know if it’s the right time for us to receive financial advice. Can we ask a few questions to help us decide?
We understand that it’s a significant decision to receive advice. You can opt to have a 15-minute phone call with an adviser for you to help decide if you think advice will prove valuable for you.
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