Retire in style

David is 61 and retired a few years ago from his job in the “corporate world”. He now juggles his time between golf, volunteering at his favourite charity and some part time consulting work. His wife Louise is thinking about stopping work altogether. Their children are now financially independent and Louise is looking forward to travelling with David while they are fit and healthy.

David and Louise have been asking themselves a few important questions

  • Will their investment nest egg last them throughout their retirement years?
  • How much of their savings can they afford to drawdown each year?
  • Can they afford their travel plans?
  • What is the best strategy for their super and other investment assets when they retire?
  • Will they be eligible for the Age pension or health care and other Centrelink benefits?

How we can help

We evaluate David and Louise’s cashflow requirements in retirement and we develop retirement income projections to get a better understanding of how long their investment wealth might last under various scenarios involving different lump sum and pension income withdrawals and using different investment return assumptions. We discuss a range of smart super and pension strategies to build and preserve their wealth and their entitlement to Centrelink pension and health care benefits.

We prepare written financial advice with specific recommendations. We implement changes to their investment strategies to better protect and grow their retirement funds. We arrange for them to update their estate planning documentation with their super fund and their solicitor.

How David and Louise benefit

David and Louise feel confident that their investments are structured in a way that can maximise their financial position and provide a tax effective income throughout their retirement years.