Retirees
Are you planning to just get by or are you planning to live your retirement life to the fullest? Many people worry about running out of money so make sure you start your retirement planning sooner rather than later. Besides, you’ve worked hard to enjoy your retirement—you need to make the most of it.

Superannuation
You’ve worked hard for your superannuation and now the challenge is getting the most out of it. You’ll need to consider:
● lump sum versus pensions
● inside super versus outside super
● superannuation legislation changes.

Retirement planning 
Did you know with recent changes, you now have more options to retire than ever before; transitioning, full retirement and Centrelink. Talk to your financial adviser about what's best for your situation.

Investments 
Funding your retirement income is an important consideration. Have you thought about:
● Retirement income?
● Cash flow management?
● Investment structures?
Insurance
Don’t let your hard earned assets slip away. Make sure you talk to your financial adviser about protecting your car, house and contents.

Taxation
Make the most of your opportunity to enjoy a tax free retirement income—consider investment reporting, tax legislation changes and tax benefits.

Redundancy
Being made redundant especially after years of service can be an emotional experience. The upside is it might help to fund a better retirement lifestyle for you.

Estate planning
Seeking and implementing advice can provide peace of mind in the event of the unexpected and ensure your children and grandchildren are taken care of. Think about:  
● trusts
● how to distribute your estate fairly to your family and other beneficiaries
● binding nominations versus trustee decisions
● intergenerational wealth management issues.
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.

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.