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RETIRE IN STYLE

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For those ready to retire in style.

 

Understanding your goals, ensure your estate plans are clear, review how long your money will last, maximise income streams, and possibly use the CARE investment philosophy to reduce risk in retirement.

Retire in Style is designed for people who:

  • Want to ensure their savings last throughout a potentially extended retirement, providing tools and strategies to manage and optimise their superannuation for the long term 

  • Want to ensure they maximise their age pension eligibility

  • Have worked hard and wish to enjoy a luxurious retirement lifestyle, emphasising financial strategies that support comfortable living, travel, and leisure 

  • Are mindful of their spending in retirement, offering practical advice on budgeting, expense tracking, and making informed financial decisions to stretch their superannuation funds and leveraging age pension benefits to supplement their income effectively

  • Those on the brink of retirement, providing a clear roadmap to assess their superannuation, understand withdrawal options, and make informed decisions as they transition from work to retirement 

  • Are cautious about market fluctuations impacting their superannuation, offering strategies to mitigate risks, diversify investments, and maintain a stable retirement income

  • Have outstanding debts, providing guidance on how to manage and gradually eliminate debt while optimising superannuation to maintain financial stability in retirement

  • Those contemplating downsizing their homes in retirement, offering financial insights into the potential impact on superannuation, age pension entitlements, and overall financial well-being

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THE KEY AREAS COVERED ARE:

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  • CLEAR OBJECTIVES ON INCOME NEEDS AND CAPITAL REQUIRED

  • ​RISK MANAGEMENT STRATEGY IMPLEMENTED: An active strategy to protect the longevity of your portfolio by eliminating the need to sell growth assets in a downward market and protect against psychological “panic selling

  • DEBT REDUCTION: Action plan to eliminate debt in retirement

  • SOCIAL SECURITY ENTITLEMENTS: Age Pension entitlement maximised. Health Care Card entitlements explored

  • PERSONAL INSURANCE PLAN REVIEWED AND AMENDED IF REQUIRED 

  • ESTATE PLANNING REVIEWED AND UPDATED AND/OR COMPREHENSIVE ESTATE PLAN PROVIDED

  • INCOME NEEDS: Establishment of a tax-free income stream and provisions for lump sum payments

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