Pre-Retirement Planning

To achieve optimal retirement income and investment risk for you and your family, we:

• Develop a financial plan (roadmap) that is revisited yearly until retirement commences;
• Keep abreast of legislation changes to ensure utilisation of every possible strategy;
• Taper off personal insurance, as you get closer to your desired level of retirement funds;
• Potentially change your level of investment borrowings as you get closer to retirement;
• Plan a possible transition of investment assets over to higher income yielding assets; and
• Employ a Pre-Retirement strategy.

Pre-Retirement strategies include:

• Spouse superannuation contributions splitting
• Transition to Retirement Pensions
• Superannuation salary sacrificing even at the expense of using current savings or temporary borrowings to live.