It’s never too early to start financially preparing for retirement. If you are 45 years old or over, planning becomes even more time critical.
 

We can help you define what a good retirement looks like to you and then put in place various strategies to help you maximise the likelihood of success, some of which include:
 

• Strategies for maximising superannuation & minimising tax.
   

• Strategies for maximising Government Age Pension payments.
   

• Detailed financial modelling to forecast how much you can afford to spend each year in retirement.
   

• A review of your investment asset allocations to ensure the mix is suitable for retirement phase which over requires a more conservative approach to investing.
   

• Assistance managing wealth transfers if you would like to provide early inheritance / gifts to children or grandchildren.
   

• Protecting your retirement savings against longevity risk (the risk of outliving your savings)

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We can help you map out what you would like your retirement to look like. It could be a:

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• Traditional retirement? (e.g. working full time until age 65 then fully retiring)
   

• Phased retirement? (working part time earlier in life and perhaps working longer)
   

• Financial Independence Retire Early (working and saving extremely hard in your early years to be able to afford to retire by age 40)
   

• Lifestyle change retirement (doing something completely different in retirement)

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Whichever retirement you are after, we are here to ensure all of your hard work translates into the retirement you have dreamed of!