Retirement and super

Because you deserve to shimmer in your golden years.

COMPLIMENTARY CONSULTATION

OVERVIEW

One thing is for certain when it comes to retirement: no one wants to spend their golden years stressed by financial concerns. With careful planning, you can eliminate the worry of not having enough to live on. If you feel you’ve left things a little late, planning now can still make a difference.

WHAT IS RETIREMENT PLANNING?

Save for retirement. Start from your first paycheck.

Chanda Kaushik

The concept of retirement has changed dramatically. Only 20 years ago, it meant a few quiet years of rest after a hard life of work. But with better health and life expectancy rates, retirement today could mean more time for sports and leisure, quality years with the family, travelling the world, moving to the beach, or doing something you’ve always wanted to.

A successful retirement means different things to different people. But whether it’s quality time with loved ones, seeing the world, volunteering or spending more time in the garden, one thing is for sure: no one wants to spend their golden years stressed by financial concerns.

Planning for your retirement sooner will provide you with more opportunities to reach your retirement goals, as well as avoiding big catch up payments closer to retirement and helps to eliminate the worry of not having enough to live on. Even if you feel you’ve left things a little late, planning now can still make a real difference.

WHAT ARE THE BENEFITS OF super FUNDS?

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CHOICE

You will have access to a wide range of investment options (Some more than others); with greater transparency to see how investments are tracking.

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CONTROL

You can pool family assets (Self Managed Superannuation Funds Only), make active decisions to grow your wealth for retirement and build a strategy for your beneficiaries and your own in the coming years.

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FLEXIBILITY

You can change investments and the structure of your super as needed; you can also implement effective tax strategies.

WHAT ARE THE BENEFITS OF RETIREMENT PLANNING?

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ORGANISATION

You may structure your assets in a tax- and debt-effective manner; freeing up funds to be channeled for your retirement.

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OPTIMISATION

You may optimise your capacity to earn by utilising your surplus income, allowing you to maximise your overall personal and family financial position.

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maximisation

You may improve your overall superannuation position through salary sacrificing, moving assets, maximising superannuation benefits and commencing pension accounts.

current RETIREMENT trends

From the AMRCI Report 2020 and Investment Trends Retirement Income Report 2017.

retire later than planned

retired to take care of family/friends

retire at the age expected

retired because they became unemployed

retire earlier than planned

retired due to health issues, accident, or disability

HOW DO I GET STARTED?

Getting started on retirement planning and superannuation is simple. All you need to do is to contact us and then we can get the ball rolling for you. You can also take our Financial Goals Assessment Tool to explore the different aspects of your financial life.

SERVICE INCLUSIONS

Our specialist service includes, but are not limited to:

  • Reviewing your super maximum potential and finding any lost super you may have.
  • Learning how to build an investment portfolio that’s right for you, which assets to invest in, and how to manage risk.
  • Navigating through pensions, allowance, and benefits available from the Age Pension to Pension Concession Card and Seniors Health Card.
  • Explaining how to qualify for entitlements and choosing social security-friendly investments.
  • Deciding between retirement investment options and the tax and social security implications.
  • Evaluating the different types of retirement income products available.

RELATED SERVICES

Estate Planning

Investment Planning and Strategy

Tax Planning

BOOK YOUR COMPLIMENTARY FIRST APPOINTMENT TODAY