Financial advice for retirees

Are you planning to just get by or are you planning to live your retirement life? Many worry about running out of money. Starting your retirement planning sooner rather than later can make a difference. You've worked hard to enjoy your retirement – so make sure you the most of it!

Working with an adviser can help you work through and give you peace of mind about a host of issues.

Superannuation

You've worked hard for it – now the challenge is getting the most out of it!

• Lump sum versus pension
• Superannuation legislation changes
• Inside super versus outside super
  
  

Retirement planning

With recent changes, you now have more options to retire than ever before!

• What are my options?
• Transitioning
• Full retirement
• Centrelink
  
  

Investment

Funding your retirement income is an important consideration.

• Retirement income
• Cashflow management
• Investment structures
  
  

Insurance

Don't let your hard earned assets slip away – protect them!
We can introduce you to a general insurance broker to insure your home, car, personal effects and business assets.

Taxation

Make the most of your opportunity to enjoy a tax-free retirement income.

• Investment reporting
• Tax legislation changes
• Tax benefits (through structures)
  
  

Redundancy

Being made redundant especially after years of service is a very emotional experience. There are opportunities though – and the upside is they might help fund a better retirement lifestyle.

• Funding your retirement
  
  

Estate planning

Seeking and implementing advice can provide peace of mind in the event of the unexpected. There are also opportunities to make sure your children and grand children get good financial advice in relation to the assets you leave them. Your Will is arguably the most important document that you will ever sign, because it gives away everything that you own.

• Trusts
• How do I distribute my estate fairly to my family and other beneficiaries?
• Binding nominations versus Trustee decision
• Intergenerational wealth management issues
  
  

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
  
  

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 invovled 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.