Pre-retirees
If you’re approaching retirement, now is a great time to seek some advice from a financial adviser so you can spend your retirement doing all the things you want to. An adviser can help you with making the transition to retirement from age 55 and managing your money now can make a big difference to the quality of your retirement life.
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Superannuation
It’s important to make the most of your superannuation before you retire—there’s so much more to super than your employer’s contributions. You can also consider:
● investment choice
● topping up
● consolidation
● salary sacrifice
● government co-contributions
● voluntary contributions.
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Retirement planning
There’s one big question you’ll need advice to answer—will I have enough to retire comfortably? A financial adviser can help you plan for the retirement you want.
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Investments
Assets outside of your superannuation are also important for your retirement and estate planning. Don’t forget about:
● accumulating wealth
● cash flow management
● gearing
● Capital Gains Tax implications.
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Insurance
You’ve worked hard to build your assets over the years—protect them! Think about:
● car insurance
● house and contents insurance
● income protection
● trauma insurance
● business insurance.
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Taxation
No one wants to pay more tax than they have to and planning for a tax free retirement is now an achievable goal due to recent changes to investment reporting and tax legislation. Talk to a financial adviser about how these changes may affect your personal situation.
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Redundancy and changing jobs
Seeking advice early can help your financial plans stay on track. If you’re proactively changing jobs and receive a pay rise, take the time to reassess your goals and make the most of it by getting some investment advice on payment and investment options.
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Estate planning
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. Think about:
● trusts
● how to distribute your estate fairly to your family and other beneficiaries
● how to create your estate plan
● binding nominations versus trustee decisions.
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Legislative and government changes
There are many opportunities you can put to use; government policies, age pensions and Centrelink benefits. Let a financial adviser show you how to make the most of these opportunities for your individual situation.
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Planning for a brighter future
Planning for your financial future can be a positive experience and that’s where we want to assist you—we can help you work through your financial goals and objectives and provide you with tailored solutions to maximise your opportunities.
Call us on 1800 773 509 for an obligation free appointment to discuss your personal financial goals and needs. |
