Retirement Planning

Are You Retirement Age Ready?

As an adviser who specialises in retirement planning advice, I meet with people on a daily basis who are often stressed and concerned about the thought of approaching Retirement. The question most often asked is, “at what age can I retire.” I find these concerns are often triggered by many misconceptions including the belief that:…

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Working Past Age Pension Age

There are a number of considerations to take into account when contemplating retirement, or a move to part-time work. If you continue working past Age Pension Age, individuals who scale back their hours often benefit from the gradual transition into life after work. For some, retaining the social support of a work environment can be…

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Reminder: You’re doing fine!

And we know you’re doing fine, because you’re reading this and are clearly interested in actively securing your lifestyle in retirement. You are either working to develop a plan for your future or already have one in place. You are ahead of the curve. According to a study done by MLC, of the Australians who…

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How much do I need in retirement?

As financial advisers one of the common questions we are asked by retirees is: how much do I need to live comfortably in retirement?

The answer is difficult to quantify for most, because it depends on so many variables: How long you live, how much you spend, how much your money grows during retirement. The only quantifiable factor in this complex equation is how much it costs you to live. The Association of Superannuation Funds of Australia (ASFA) have released a ‘retirement standard to assist with helping you to quantify your retirement needs.

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How to make the most of retirement

Retirement symbolises the transition from accumulating to enjoying.  It is a time when many have reached their earnings peak, remain in good health, and are free to do whatever they please.  However, countless retirees enter retirement somewhat concerned about what the future might hold and we find many are out of their comfort zone.  Plain…

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How To Benefit From Tax Free Income In Retirement

Death and taxes: the two certainties in life. When considering investing for retirement, and then receiving income from that nest egg, it has to be factored in that people are living longer and that taxes are highly unlikely to fall. Building a sizeable nest egg is a large piece of the conundrum of living a…

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