60's-70's
Retirement Planning
Set yourself up for the retirement you want
Make a time to speak with one of our experienced advisers.
Your Journey
Will you have the time and resources you need to relax and enjoy your journey to the fullest throughout your retirement?
Perhaps you’re looking to downsize, or have faced expenses due to circumstances beyond your control. Whatever the case, making sure you have your financial affairs well in hand is essential to making your retirement all it could be. Reap the benefits of forward thinking with Frontier Financial Group.
Key considerations for this life-stage:
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Wealth consolidation
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Debt elimination
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Estate and retirement planning
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Creating an income stream for retirement
We can help you
Testimonials
Words from our happy clients.
Bill and Milly Blair Retired Qantas Pilot and part time hospital worker
David’s professionalism and expertise along with his open, friendly personality has been exceptional.
Frontier Financial Group provide excellent service with what we consider a very reasonable fee structure.
Rosemary Cosentino Founding Principal
Frontier Financial Group really care about their clients with regular reviews and meetings, making investment changes with current trends of the market.
Mark Dewhurst Retired School Principal
David has guided us from having ‘no idea’ about our retirement to feeling we have control of our future.
Pitsa BinnionSchool Teacher
They have listened and understood my priorities and have put together a comprehensive plan. Financial planning is definitely not my area of strength but together the group has given me a sense of financial security and understanding.
Helen Zull Retired School Principal
As school principals, we manage large amounts of money but when it came to retirement and the management and investment of our hard-earned funds I was much happier to work with Richard to ensure we had enough funds to support our new lifestyle for many years to come.
The fulfilment years
These years become a time where you can enjoy the benefits of years of hard work, where you can access your super, travel, pay of remaining debts, enjoy the time away from work and spend more time with family. However, one risk when retiring is ensuring your income allows you the lifestyle you desire. A well-placed plan, that takes advantage of your situation can aid you in having a sufficient amount of income and help to keep your wealth growing at a rate that can prolong your income.
Stage of Life Chart
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You may have paid off your children’s education and your home. And considering what you will do in making the rest of your journey the most rewarding it can be as you transition into retirement. Entering into retirement doesn’t have to be a sudden stop in work either. There are strategies available that allow you access to your super while you're still working. This allows you to slowly ease out of work, lowing the number of days you work each week, easing you into living solely off your super and retirement assets.
This can also be a time where you are thinking about leaving an inheritance for your loved ones. You may have thought about how you can pass on your wealth in the most tax effective and efficient way.
With a plan from one of our financial advisers we can help you pass on your wealth in tax effective means and aid in having your wealth given to the correct people, maximising the inheritance given and minimising the potential of disputes.
Staying the course
Did you know that the average super balance for those aged 60 to 70 is $270,000?
That may sound like a lot, but if you’re a couple looking to retire comfortably on a combined income of $80,000, you’ll need $1.3M to $1.8M in super (depending on whether you are taking the aged pension, or becoming a self-funded retiree). Similarly, single people seeking a comfortable lifestyle of $50,000 a year would need between $800,000 to $1M.
This can be a big gap to bridge. Thankfully, we can help build your wealth using particular wealth creation strategies, that include the following:
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Salary sacrifice
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Deductible contributions from savings
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After-tax contributions up to $330k
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Consolidating your super
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Income stream tax benefits
Arrange to talk to one of our friendly advisers today, and ask more from life with Frontier Financial Group.
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