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Pre-retirees FAQs
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Yes. Part of retirement planning involves optimising your asset structures to meet means-test requirements where applicable. I help you with Commonwealth Seniors Health Cards and Age Pension eligibility to ensure you receive any government entitlements you are legally eligible for alongside your private funding.
In many cases, the portion of the fee related to ongoing investment advice and managing your superannuation is tax-deductible. During our initial discovery session, I provide a breakdown of the fee structure and explain how these costs can be managed efficiently within your existing financial framework.
“Enough” is defined by your desired annual spending and life expectancy. I calculate your net retirement position by modelling your assets against inflation and market volatility. This provides a specific capital target, ensuring your portfolio can sustain your lifestyle for 30+ years without depleting your core savings.
A TTR strategy allows you to access a portion of your superannuation via a pension while you are still working. By combining this with salary sacrifice, you can reduce your taxable income and increase your total super balance without reducing your take-home pay or changing your current lifestyle.
Ideally, you should begin 5 to 10 years before your intended finish date. This window allows for Transition to Retirement strategies that maximise super contributions while reducing your income tax. Starting early ensures you have sufficient time to restructure assets and close any projected capital gaps.