Medical and social advances have led to the amazing result that, on average, we are living much longer than generations before. However, because the retirement age has not shifted as drastically as the average life… Continue reading
There’s a lot of varying opinion when it comes to the big question of “how much you need to retire”. Some experts will say you need close to a million dollars, some even say 2… Continue reading
After helping people plan for retirement for over a decade now the most common mistakes we see people make can be broken down into two real areas. Retirement mistake no. 1 – They don’t plan… Continue reading
For most people, by the time they reach retirement, they would have paid a fairly hefty sum of money in tax over their working lives. So when planning for retirement it’s important to structure your… Continue reading
Many people choose to retire when they become eligible for the age pension because this is what helps them to actually afford retirement. The two main criteria to accessing the age pension is that you… Continue reading
Whilst the government has rightfully closed off a lot off a lot of loopholes that used to allow wealthier people to get a pension, there are still a few ways to structure your assets to… Continue reading
It always surprises me when people ask what the legal retirement age is in Australia. The fact is, there is no legal retirement age. You can basically retire whenever you want. However, there are three… Continue reading
To get your hands on that money you’ve got socked away in superannuation, you have to meet what’s called a ‘condition of release’. The two most common conditions of release are: Reaching age 65 (regardless… Continue reading
Having helped hundreds of people plan for their retirement over the past 15 years, there seems to be a lot of talk about whether or not superannuation is a good place to invest your money.… Continue reading
1. Make sure your super fund has your TFN If you super fund does not have your tax file number, your employer and pre tax contributions will be taxed at the highest marginal tax rate… Continue reading
Having helped many people transition into aged care, including clients as well as family, I can tell you first hand it can be quite an overwhelming thing to deal with. Not only are you trying… Continue reading
Your risk profile is a measure of how comfortable you are investing your funds across different types of assets. There are various types of risk profiles, mainly distinguished by their overall allocation to Defensive and… Continue reading