Retirees

Over many years working with pre- and post-retirees, we have learned that you possess some unique characteristics and also challenges:

• You have worked hard during your working life, have often sacrificed much and now want to relax and enjoy your live more.

• At the same time, that can  mean not wanting to have to manage your finances nor worrying about your money.

• You need to balance a range of needs and goals:

  • Longevity – not outliving your savings.

  • Inflation – ensuring that your savings keep up with the erosion of inflation.

  • Generating a sufficient level of income from your savings, both in the immediate and longer-term.

  • Setting an appropriate investment strategy for your assets to minimise unnecessary risk, diversify smartly and generate sufficient returns.

  • Potentially, wishing to 'transition' to retirement on a gradual basis.

• Estate Plans – the next generations come into greater focus.   What should happen in the event of your death or incapacity becomes more relevant than ever.
  
  

Retirement should be an enjoyable and care-free time, however, without preparation and smart financial strategies,  this will be harder to achieve.  We can provide solutions:

• Prior planning, prior planning and prior planning.  Don’t leave it until you get there.

• Planning your needs and goals in retirement.

• Planning your income needs, in the immediate and longer-term.

• Formulating an investment strategy to achieve

  • Sufficient investment income

  • Growth above inflation

  • No unnecessary risk.

  • Smart diversification.

  • No unnecessary tax

• Diversification of your assets….reduction of Risk.

• Correct structuring of your retirement assets.

• Maximising the use of tax-effective vehicles such as Superannuation. Selecting and structuring the most appropriate retirement income solutions.

• Co-ordination between your advisory team.