Retirement Planning & Advisory Services

Retirement planning is about working out how you can transition from full-time work to living on your pension, superannuation and/or assets. It’s not something that you want to leave to chance and it’s best to start as early as you can.

If you’re aged between 55 and 65, the transition to retirement rules in Australia allow you to access your super without having to retire completely from the workforce. It’s the superannuation version of having your cake and eating it too. One way to do this is to cut your work hours but replace that bit of your salary with money from a ‘transition to retirement’ pension. You’ll be drawing on your super, but at least you will maintain your level of income and lifestyle.

If you decide to use your super only when you completely retire from the workforce, there are still benefits from going to a retirement planner for advisory services. A retirement planner will encourage you to assess your readiness to retire given age and lifestyle – do you have enough money. The planner will look at ways you can become more prepared for retirement, including giving you financial planning knowledge and encouraging you to save, save, save.

There are even retirement planners who advise people on how to retire when they are in their thirties – the dream of not having to work can be attractive to some people from an early age. But if you have loved your career and are hoping that retirement will be just as much fun, then a retirement planner can help make sure that can happen for you.