Retirement is a significant milestone, marking the transition from full or part-time work to a new phase in life. It is a journey that requires careful consideration, foresight and a lot of planning.

We understand that retirement is unique and different for each individual and we start by firstly understanding your goals and lifestyle needs. We will identify what your ideal retirement looks like and what is important to you.

Determining where you are now, where you want to be and if you are on track to reaching your desired retirement is one of the most important steps.

Our tailored retirement advice process is:

• Understand where you are now

• Identify where you want to be with clear goals, and any roadblocks

• Research, strategy, and projections to determine the right advice for you

• Implement the strategies to meet your goals

Retirement planning is broad, and our advice covers the following key areas:

• Budgeting and Saving

• Investment Allocation and Risk Profiling

• Centrelink Benefits

• Superannuation Pension Commencement

• Superannuation Contributions

• Downsizing and Lifestyle Goals

• Inheritance Planning

• Estate Planning

• Redundancy Advice

• Tax Planning

• Projections and Cashflow Analysis

We also work with you to avoid common mistakes that we see people make including:

• Failing to plan for longevity and outliving their retirement savings

• Putting off saving/ investing

• Underestimating expenses

• Overreliance on social security

• Investment risk

• Withdrawing funds too early