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RETIRING - SOONER OR LATER

Here we look at how you can maximise your income in retirement, whether you're:


Retirement still more than 10 years away

Retirement can seem irrelevant when you're in your 30s or 40s. There are so many other things to do with your money - going overseas, getting a house, raising a family, or just having fun.

However, according to research by the Investment and Financial Services Association (IFSA)1, the Age Pension won't be nearly enough to fund the lifestyle we'd like when we're no longer working. So the best thing to do is to start saving now.
Common questions to consider

Some questions you may wish to consider:
How we can help

We can:


What to do next

If you want us to help you with planning your retirement contact us today.

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Retiring within the next 5 - 10 years

The combined effect of earlier retirement and living longer means that many Australians will spend more than a quarter of their life in retirement. While this sounds like good news, it does emphasise the importance of planning carefully - and well in advance - for your retirement.


Common questions to consider

Some questions you may wish to consider include:·

How we can help

We can:

* Establish when you want to retire and look at how much you need, or work out when you can retire based on your plans.
* Establish a plan to accumulate enough retirement savings within your timeframe.
* Review and recommend retirement income products so you can manage your money in retirement and make sure you can maximise any entitlements to social security benefits.
* Review and update your insurance arrangements to make sure you aren't under insured.
* Advise whether you need to talk to a solicitor to create a comprehensive will or update your current will.

What to do next

If you want us to help you with planning your retirement contact us today.

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Already retired

If you've already reached retirement age, you may feel you're not yet ready to give up work altogether. If you're eligible for the Age Pension, the government offers incentives for working people to defer claiming it.

On the other hand, if you've independently funded your retirement, you may benefit from keeping track of, or restructuring, your finances so you maximise any government entitlement.
Common questions to consider

Some questions you may wish to consider include:
How we can help

We can:

What to do next

If you want us to help you with your retirement contact us today.

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