Pre-Retiree

PRE-RETIREE

Your life is all about change. You’ve raised your children; helped them move out of home; and start on their life journey. They are now married and starting a family of their own.

You’ve been busy looking after others and now might be the right time to let a financial adviser start looking after you!

If you’re approaching retirement, now is a good time to seek advice – so you can plan to spend your retirement doing all the things you want to. There is quite a lot an adviser can help you with – including making the transition to retirement from age 55 – yes you can access your super from age 55! Managing your money now can make a big difference to the quality of your retirement life.

SUPERANNUATION

There is so much more to super than just your employer contributions and it’s important that you make the most of it before you retire.

  • Investment choice
  • Topping up
  • Consolidation
  • Salary sacrifice
  • Government co-contribution/voluntary contributions
RETIREMENT PLANNING

You need advice to answer the one big question – “Will I have enough?

INVESTMENT

Assets outside of super are important for your retirement and estate planning.

  • Accumulating wealth
  • Cashflow management
  • Refinance home loan
  • Gearing
  • Capital Gains Tax (CGT) implications
INSURANCE

Over the years you’ve worked hard to build your assets – protect them!

  • Car
  • House and contents
  • Income protection
  • Trauma
  • TPD
  • Death
  • Business
TAXATION

You don’t want to have to pay more tax than you need – and planning for a tax free retirement is now an achievable goal.

  • Investment reporting
  • Tax legislation changes
REDUNDANCY/CHANGING JOBS

There is never a good time for a redundancy, but seeking advice early can help your financial plans stay on track. If you’re proactively changing jobs you will probably get a pay rise. Make the most of it by getting some investment advice.

  • Payment and investment options
  • Re-assessing goals
ESTATE PLANNING

When you’ve got others depending on you, planning for the unexpected becomes more important. Seeking and implementing advice can provide you with peace of mind in the event of the unexpected.

  • Trusts
  • How do you distribute your estate fairly to your family and other beneficiaries?
  • Creating your estate plan together with your accountant and solicitor
  • Binding nominations versus Trustee decision
LEGISLATIVE/ GOVERNMENT CHANGES

let an adviser show you the many opportunities you can put to use and how to make the most of them for your situation.

  • Government policy
  • Age pension changes
  • Centrelink benefits
  • Transition to retirement
PLAN FOR A BRIGHTER FUTURE IN RETIREMENT

We can assist in planning for your financial future and help you work through your financial goals and objectives to identify the options available as well as provide you with tailored solutions.

You increase the likelihood that you will achieve your financial goals and objectives by taking control.

No obligation, just an offer to see how we can assist

Investment Options (Aust) is pleased to offer you an obligation free consultation to discuss your financial goals and needs.

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