Retirement planning strategies are one of the specific objectives of a well-considered wealth management plan.
Approaching retirement age?
Do you want to utilise your superannuation to transition to retirement?
Are Centrelink benefits available to you?
Is it important that you leave funds for future generations?
Retirement income streams may flow from superannuation benefits (most often in the form of pension income). They may also flow from assets accumulated outside of superannuation. Many self-funded retirees will have a mixture of wealth accumulated in both areas. Allocated Pensions are popular and effective tools, both –
- as you approach retirement, and
- as well as during that phase of your life.
Preparation perfects performance
There is no substitute for a well-structured long-term wealth accumulation and management program to provide a comfortable and adequate income in retirement. Continuum Financial Planners can work with you to undertake retirement planning, giving you –
- peace of mind about the adequacy of your disposable income in retirement
- in a tax effective way.
Retirement income streams
Retirement pensions are available on public offer platforms and through specialist products purchased for the purpose. We also have extensive expertise with self-managed superannuation fund investment and administration advising. This tool is effective when implemented in conjunction with non-superannuation self-funded income streams/ pensions.
Strategy precedes success
It is important that the most appropriate investment strategy, incorporating –
- asset allocation;
- investment products (assets);
- investor risk profile; and
- time available for accumulation
– be employed for your particular circumstances.
Insurance products are also available to provide wealth protection effectively (at least through the accumulation phase).
Your entitlements to Centrelink support by way of Age Pension (Full or Part), Commonwealth Seniors Health Card or other services in the period of your retirement may well form part of the strategy for you. This too can be optimised with careful planning with our Team.
To obtain financial advice from one of our experienced financial planners to review your retirement planning strategies, arrange a meeting –
- by phoning us on (07) 3421 3456 or
- at your convenience, using our linked Book A Meeting facility.
(This article was first posted by us in February 2012. It has occasionally been refreshed/ updated, most recently in January 2025.)
