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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

ONGOING ADVICE:

Our Ongoing Advice Service is designed to track your progress, hold all parties accountable, and will make sure you remain disciplined with your long-term plans.

It also includes a range of ongoing services to ensure your financial well-being:​

  • ANNUAL REVIEW: Meet atleast once annually to ensure your financial plan remains relevant.

  • DEDICATED ADVISER SUPPORT: Access practical money coaching and advice via phone or email.

  • PORTFOLIO MANAGEMENT: Continuous monitoring and adjustments to your investments.

  • ADMINISTRATIVE SERVICE: Assistance with financial affairs and liaison with other professionals.

  • INSURANCE SUPPORT: Help with insurance matters, including underwriting and claims.

  • EDUCATION: Receive periodic economic and financial updates through various channels.

  • WEALTH PORTAL ACCESS: Exclusive access to our user-friendly tool for managing your finances in real-time.

Wealth Collab is a Fee for Service practice, so you will always know the exact cost before proceeding with any of our programs.

1. Let's Get Started!

The Commitment Fee is paid up front and is only charged once you agree to engage our services. The Advice Fee is charged once plan has been presented and covers the costs of preparing your Statement of Advice (SOA) and implementation of recommendations.

$550 Commitment Fee

+

$2,500 Advice Fee (for an individual)

$3,300 Advice Fee (for a couple)

You may be able to pay your Advice Fee (fully or partially) from your super. 

2. Let's Keep it on Track!

Our Ongoing Advice Service is a monthly based subscription that can be cancelled at any time. It's designed to track your progress, hold all parties accountable, and will make sure you remain disciplined with your long-term plans.

$150 per month (for an individual)

$200 per month (for a couple)

Our Ongoing Advice Service can be tax deductible and may also be paid (fully or partially) from your super. 

All pricing includes GST.

Plan pricing is an indication only, and may vary depending on personal circumstances and level of complexity.

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