Services

Retirement Planning

Winding down your employment or leaving the workforce does not have to be complicated or intimidating.

Understanding how much you need to be comfortable to fund the lifestyle you want is key though, and very individual. We will take some time to break this down, and allow also for purchases, travel, or gifts over time.

Superannuation

Superannuation remains a highly effective vehicle to build your bag on money for retirement. Making the most of super involves knowing how much to contribute, how to invest it, and ensuring to manage tax. 

I offer specialist advice on various defined benefit schemes as well as most industry and retail super funds. How do you best structure and set up a retirement income stream? Should it be in your name or your spouse? Can you access lump sums, or change your income if needed? Will your family receive and inherit

• Commonwealth Superannuation Scheme (CSS)
• Public Sector Superannuation Scheme (PSS)
• NSW State Superannuation Scheme (SSS)
• NSW State Authorities Superannuation Scheme (SASS)

Retirement Pension

How do you best structure and set up a retirement in stream? Should it be in your name or your spouse? Can you access lump sums or change the income if you need to? Will your family receive an inheritance, and will they be taxed?

Defined Benefit and Account Based Pensions can be a great way to receive regular income in retirement, but we need to get this right. 

Centrelink Entitlements

The Centrelink Age Pension and Commonwealth Seniors Healthcare Card (CSHC) have undergone significant changes to their eligibility criteria over the years. Let's see what you are entitled to.  

Redundancy advice

A redundancy offer be it voluntary or otherwise, will bring a mix of emotions. Is this the right time? What happens if I leave, will I have enough? Explore your scenarios before leaping.