Creating Freedom
Retirement may be getting closer, but there are still important decisions to make in your 60s. This is the time to bring everything together, optimise your position and create the confidence to live life on your terms.
You’ve worked hard for what comes next
Retirement may be approaching, or perhaps it has already begun. Your mortgage may be repaid, your super and investments are substantial, and you have more choices about how you spend your time, support your family and enjoy the years ahead.
But moving from earning an income to relying on your wealth can create a new set of questions. You want to know how much you can afford to spend, how long your money will last, and whether your finances are structured to give you the best possible outcome.
The right decisions can help you enjoy more of your wealth, pay less tax, protect your financial security and leave more behind for the people who matter most.
Here is how we can help
Retirement Income
- Moving from a regular salary to drawing on your savings is one of the biggest financial transitions you'll ever make. Knowing how much you can safely spend is just as important as knowing how to invest.
- A carefully designed retirement income strategy can help you enjoy more of your wealth today while giving you confidence that your savings can continue supporting your lifestyle for decades to come.
Investments
- The way you invest in retirement should provide enough growth to keep pace with inflation, while reducing the risk of being forced to sell investments at the wrong time.
- Over a 20-year retirement, a portfolio earning an average return of 7.0% instead of 6.5% grows to approximately $3.87 million rather than $3.52 million from a $1 million starting balance—a difference of around $350,000.
Superannuation
- Retirement creates opportunities to restructure your super, commence tax-free pensions and make use of strategies that may only be available for a limited time.
- For a retiree with $1 million invested earning 7% p.a., keeping those assets in retirement-phase super rather than accumulation could preserve around $184,000 over ten years through lower tax on investment earnings alone.*
- *Illustrative example only. Actual tax outcomes depend on investment returns, tax components, franking credits, capital gains and personal circumstances.
Tax Minimisation
- While your taxable income may reduce in retirement, poor structuring can still result in unnecessary tax on investments, capital gains, superannuation and wealth passed to future generations.
- The right ownership and superannuation structures can legitimately save tens or even hundreds of thousands of dollars in tax over the course of your retirement.
Age Pension Planning
- Your Age Pension entitlement depends on much more than how much money you have. The way your assets are owned and structured can make a significant difference.
- For someone assessed under the assets test, reducing assessable assets by $100,000 can increase their Age Pension by up to $7,800 each year, reducing the amount they need to draw from their own savings.
Cashflow and Spending
- After decades of saving, many retirees worry about spending too much—or too little.
- Detailed modelling can show how much you can safely spend throughout retirement, giving you confidence to enjoy your wealth while protecting your long-term financial security.
- A retiree spending $10,000 more each year than their portfolio can sustainably support could reduce the value of their retirement savings by almost $400,000 over twenty years, assuming long-term investment returns of 7%.
Supporting Your Family
- Helping children or grandchildren can be one of the most rewarding financial decisions you'll ever make—but it's important to understand how those decisions affect your own retirement.
- Giving away $100,000 without understanding Centrelink's gifting rules could reduce an Age Pension by more than $35,000 over the following five years.
Insurances
- As retirement approaches, your reliance on employment income often reduces, meaning your insurance needs may change as well.
- Continuing to pay $5,000 each year for insurance you no longer need could reduce your retirement savings by almost $70,000 over ten years, assuming those premiums could otherwise have remained invested earning 7% p.a.
Getting started takes
one conversation
We know you're busy. We've made every step of the financial journey as straightforward as possible, from your first call through to your ongoing financial management. Here's how it works.
Book a free discovery call.
A relaxed, no-obligation 45-minute virtual conversation with one of our financial planners. We'll discuss where you are today, where you'd like to be, and what matters most to you. We take the time to understand your financial situation and lifestyle goals, while determining whether we're the right fit to help. Because life is busy, we meet with you online, making it simple and convenient to get expert financial guidance from the comfort of your home or office.
We build a personalised financial plan.
If we're a good fit, your adviser will do a thorough review of your complete financial situation: your income, assets, super funds, personal insurance, tax position, and existing investment options. From that deep understanding, we build a strategy with tailored advice designed specifically around your individual circumstances.
We implement it, review it, and grow with you.
We don't simply offer one-off advice. Once your plan is in place, we stay by your side and help you implement your strategy, review your progress regularly, and adjust everything as your life evolves. You'll always feel confident and informed about where you stand and what comes next.
The best time to start was yesterday.
The second best time is today.
Ready to have a chat?
No cost, no commitment, no obligation - we promise.
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Not Sure How Much You Need to Retire?
Retirement planning is one of the most complex financial challenges Australians face — and the stakes couldn't be higher.
We've put together a retirement guide specifically for Australians like you. It covers everything from working out your personal retirement number to building a practical action plan.
