When you’re busy enjoying life, retirement can seem a long way off. But with Australians living longer and staying more active in retirement than ever before, your retirement lifestyle is not something to be left to chance.
Your decision to retire is one of the most important decisions you will make in your life. Unless you have a clear plan to meet your desired after tax expenditure level, this will be a decision that could cause you considerable stress and leaving your planning too late could mean that you may need to work longer than you planned to.
Our experienced advisers will help you to:
- Establish what your desired after tax expenditure levels are and formulate clear objectives and a timeline for your retirement;
- Establish a strategy that can put you in a position to retire at an age you desire, while leaving you the flexibility to work if this is what you desire;
- Minimise the taxation impact on your funds at retirement;Appropriately structure your investments so that your funds generate sufficient cashflow to ensure you meet your after tax expense requirement through all investment markets (remember markets go down as well as up our portfolios are structured so that you don’t have to sell good assets during the down times). Cost effective administration to ensure that you are free to enjoy your retirement.
A holistic approach
Your Godfrey Pembroke adviser will take takes a holistic approach to retirement planning, with a personalised retirement plan designed to help you enjoy the retirement lifestyle you’ve been looking forward to. Your plan covers every aspect of your financial life, including risk protection and estate planning, so you can be confident that your family’s future is secure.
We develop your plan using a disciplined process, founded on a thorough understanding of your situation and aspirations:
Retirement is a very personal thing, and everyone has a different vision for their future. That’s why we start by developing a detailed understanding of your lifestyle goals, both before and during retirement.
We’ll also clearly outline our services and our fees, so you’ll know upfront what our advice will cost and what you’ll receive in return.
Having uncovered your financial goals for retirement, we’ll develop a strategy designed to help you achieve them. We’ll review your existing super arrangements to ensure they support your goals, identifying any gaps and emerging risks that could impact performance. Then we’ll create an ongoing strategy to maximise your super, with tax-effective options to boost your contributions and investment returns.
We’ll document our suggested approach in a detailed Statement of Advice, setting out your investment, superannuation and wealth protection options, and bringing your financial strategy to life.
When you’re happy with your financial plan, we can help you execute it, building and managing your portfolio of wealth creation and protection solutions. In doing so, we work in close collaboration with you and other professional advisers, like your accountant, to achieve the best possible outcomes.
We’ll meet with you regularly to advise you on your progress and keep you informed about new opportunities, emerging risks and regulatory changes. So you can relax and enjoy life, confident that your financial future is in good hands.