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Retirement Planning

 Are you retirement ready? Are you on track to live the retirement lifestyle you’ve always wanted? Cost of living pressures, increasing life expectancies and recently legislated changes to the Age Pension means test are impacting upon the savings Australians will need to fund a comfortable retirement.

In fact, according to figures from The Association of Superannuation Funds of Australia (ASFA), Australians will need a superannuation balance at retirement of $640,000 per couple and $545,000 for a single.

Plan Me can work with you to help ensure that your retirement years are free from major financial worry and that you’ll enjoy the standard of living you’ve worked so hard for.

And if you require a financial plan created from the ground up, we can arrange that too.

Did you know that the tax you will need to pay on your retirement income depends on many factors? Plan Me can help you wade through retirement income streams and understand the associated taxes: from pensions and annuities we help make sense of what’s taxable, what isn’t, and what’s tax-exempt. Plus, we’ll share our expert tools and rules to help you navigate the complexities. We’re here to help you make the most of your money.

How well do you understand the Age Pension? Regardless of who is in government, one thing doesn’t change: how much you receive always depends on your income and assets. We’ll assist you to make sense of the Age Pension, understand the thresholds, and guide you through the income and assets tests used to assess your eligibility. We also keep you informed about how complex legislative changes to the Age Pension could affect you.

When you’re at a stage of life where you may need to consider some form of aged care planning for yourself or a loved one, it’s an ideal time to finesse your finances. The value of an individual’s assets and income will affect the costs of that aged care. Qualified financial advice helps Plan Me clients avoid costly mistakes so that their money works smarter. Plan Me can give you the bigger picture about aged care costs and give you more control over your financial future.

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