Financial advice for pre-retirees
Talk about change – you've seen it all, and what you haven't seen isn't worth seeing. You've raised the kids, helped them move out of home (and back in again at least twice) and worked hard to get them married and settled. You may have even dropped a few hints about grandkids (which was very well received we’re sure!).
If you've been busy looking after others, now might be the time to let a financial adviser start looking after you. If you're approaching retirement, now is a good time to seek advice – so you can plan to spend your retirement doing all the things you want to. There is quite a lot an adviser can help you with – including making the transition to retirement from age 55 – yes you can access your super from age 55! Managing your money now can make a big difference to the quality of your retirement life.
Make the most of it before you retire – there is so much more to super than just your employers contribution.
- Investment choice
- Topping up
- Salary sacrifice
- Government co-contribution/voluntary contributions
- There's one big question you need advice to answer.
- Will I have enough?
Don't forget about your assets outside of super, they too are important for your retirement and estate planning.
- Accumulating wealth
- Cashflow management
- Refinance home loan
- CGT implications
You've worked hard to build your assets over the years – so protect them!
- Income protection
- Business Expenses
- Business Succession funding, key-person, loan guarantor.
- We can even introduce you to a general insurance broker to insure your home, car, personal effects and business assets.
No one wants to pay more tax than they have to – and planning for a tax free retirement is now an achievable goals thanks to recent changes.
- Investment reporting
- Tax legislation changes
Seeking advice early can help your financial plans stay on track. If you're proactively changing jobs you will probably get a pay rise. Make the most of it by getting some investment advice.
- Payment and investment options
- Re-assessing goals
Planning for the unexpected becomes more important when you’ve got others depending on you. Seeking and implementing advice can provide peace of mind in the event of the unexpected. ? Your Will is arguably the most important document that you will ever sign, because it gives away everything that you own.
- How do I distribute my estate fairly to my family and other beneficiaries?
- Creating your estate plan together with your accountant and solicitor
- Binding nominations versus Trustee decision
Legislative/ Government changes
There are lots of opportunities you can put to use, let an adviser show you how to make the most of them for your situation.
- Government policy
- Age pension changes
- Centrelink benefits
- Transition to retirement
Aged Care Planning
Placing someone that you love into Aged Care can be an extremely stressful and taxing time for all concerned. When investigating Aged Care Accommodation options for someone that you love, you're usually entering a world where those involved may as well be speaking another language!
- High Care
- Low Care
- Accommodation Bonds
- Accommodation Charges
- Daily Care Fees
- Retention Amounts
- Income Tested Fees
We can show you what charges will be applied by the preferred facility and explain the impact on income - you will see in black and white how much it will cost. We can assist with the negotiation of a placement. We can show you how to utilize strategies that can decrease fees and increase pension entitlements. We can provide a comparison of a number of scenario's to enable you to determine the best outcome for your loved one.
A brighter future.®
Planning for your financial future should be a positive experience and that's where we can assist. We can help you work through your financial goals and objectives to identify your options and provide you with tailored solutions.
By taking control, you increase the likelihood that you will achieve your financial goals.