YOUR RETIREMENT TO FREEDOM

Ensuring your lifestyle

Retirement should be about sitting back and enjoying all that life has to offer without being tied down to work. You will finally have the time to travel, pursue new hobbies and catch up with family and friends, but will you have the income to support the lifestyle you want to live?

Retirement is your chance to make the most of life and enjoy the freedom, and now that you’ve worked hard to build your assets, it’s time to make those assets work for you, ensuring you have the income to do want you want to do and the security that your funds will outlast you.

  • Maximise your income and preserve your capital
  • Invest appropriately for Centrelink
  • Navigate the many retirement income options

Whether you need pension advice, assistance with Centrelink, or a plan to stretch your retirement income, we’re here to help with all the financial facets of life after work.

Start planning now!

Related Financial Information

Basics of investing

Have you ever wondered what the difference is between saving and investing? Saving is setting money aside in cash accounts (generally bank savings or cash management accounts) for immediate expenses, emergencies and short-term plans. The money earns interest, which is added to your assessable inc...

Basics of retirement

Retirement is a milestone marking the start of a new phase in your life. If you’re well-prepared, you can look forward to freedom from a set routine and the opportunity to enjoy many things you haven’t had time to do while working. Your quality of life and financial security after work will depend...

Basics of super

When the time comes to retire, it would be nice to feel confident that your life after work will be comfortable and that you’ll have the time and money to enjoy many things you weren’t able to do while working. The Age Pension provides only a very basic retirement allowance that most people would f...

Centrelink assessment of account based pensions

The way account based pensions are assessed under the Centrelink/DVA income test changed from 1 January 2015. From this date, there will be two categories of account based pensions (ABPs) – those that are grandfathered under the pre-2015 income test treatment and those that are subject to deeming. W...

ESTATE PLANNING

Estate planning involves much more than having an up to date Will. It is important to ensure that your assets are distributed in the most effective manner and without adverse tax consequences for your beneficiaries. What is estate planning? Estate planning involves considering what will happen to...

Home and residential aged care

Some retirees who need aged care may prefer to stay at home. Whilst others may need or prefer the assistance that a residential aged care facility can provide. This document provides information on the fees and charges that apply to those who first receive home care or residential aged care on or af...

Investment Fundamentals

If you’re just starting out as an investor, there’s a lot of information to absorb. This fact file defines and explores the pros and cons of each asset class, why certain asset classes are more appropriate for different types of investors and why no asset class consistently outperforms the others....

Market Volatility

Many investors become concerned when volatility occurs in global financial markets – particularly about the impact on their superannuation and other investments. In times like these, it is important to understand the causes of market movements and how to minimise your risk. Why do markets move so m...

Nominating Beneficiaries

Super is one of your biggest investments so it’s important to plan ahead to ensure that if you were to die, your super balance is paid to your loved ones according to your wishes. What happens to your super after you die? You may be surprised to know that your super balance does not automatically...

Retirement Income

One of the most effective ways to provide some or all of your required level of income in retirement may be via a regular retirement income stream such as an account-based pension or an annuity. Some retirees may also be eligible for an Age Pension or other benefits from the Australian Government. I...

Risk and Return

When deciding which investments are right for you, it is important to understand the trade-off between risk and return and how to manage investment risk. A risk profile can help identify the type and mix of investments that will best help you achieve your financial and lifestyle goals. Snapshot...

SMSFs What you need to know

Self-managed superannuation funds (SMSFs) are a popular option for investors seeking greater control over their retirement savings. However, the decision to establish an SMSF should not be taken lightly. Whether an SMSF is suitable for you will depend on your needs and circumstances and whether you...