Retirement

No matter how far away your retirement is, it’s vital to be prepared. We work with you to create an effective strategy to boost your superannuation, pay less tax on investment earnings, and ensure you and your family are in the best position possible when the time comes to wind down.

Retirement is like a long vacation in Las Vegas. The goal is to enjoy it the fullest, but not so fully that you run out of money.

Optimise your wealth for retirement

We have helped thousands of clients carefully consider their financial strategy for retirement. Planning now and choosing the most appropriate superannuation structure may be crucial to achieving your desired lifestyle in retirement.

We can assist you with tailored and flexible advice on:

 

  • Transition-to-retirement strategies
  • Tax and contribution strategies
  • Cash flow and debt management
  • Centrelink and the Age Pension
  • Superannuation and self-managed super funds (SMSFs)
  • Estate planning.

Unlock
transition-to-retirement strategies

When you reach preservation age (the age at which you can access your superannuation if you are retired or have started a transition-to-retirement income stream), then you can access your superannuation as an income stream. A transition-to-retirement income stream may allow you to reduce working hours as you approach retirement, fund salary sacrifice contributions and reduce personal debt.

Make the
most of your assets

Making the most of your assets with a range of tax and contribution strategies is an effective income generator for retirement. We can help you review your desired income for retirement and optimise it through superannuation, pension and salary sacrifice options. We will review the timing of these strategies and the impact of tax both pre- and post-retirement.

Manage
cash flow and debt

As you work towards retirement, it is important to have a clear understanding of when you can afford to retire. Directing surplus cash flow now – in the most appropriate way – along with reviewing how to pay off your mortgage and manage investment debt is a critical part of the process. We can advise you on some of the best strategies to support this goal.

Maximising
your Centrelink and Age Pension Entitlements

If you have reached Age Pension age, the Age Pension may help to support you in retirement. We can assist you in determining your eligibility for the Age Pension and how this may assist you with supplementing your income once you cease working. If you are not ready to finish working, there are also a number of other benefits for pensioners to remain in the workforce which Centrelink can offer such as the Work Bonus and Pension Bonus Scheme. We are experts when it comes to Centrelink and we can help you determine what your entitled to.

Benefit
from pensions, superannuation and SMSFs

Maximising the benefits of your superannuation is critical to growing your wealth for retirement. This can include salary sacrificing, after-tax contributions, defined benefit scheme contributions and establishing an SMSF if it is suitable to do so. We are SMSF specialists and can guide you through the benefits and considerations to determine if this is the most appropriate structure to support your retirement objectives.

Manage
your estate with confidence

Estate planning ensures that the transfer of your wealth to your beneficiaries is seamless, minimises their tax liability and provides maximum asset protection. Our team of financial advisors can work in tandem with our estate planning lawyers to tailor a plan that achieves your desired distribution of wealth in a tax-effective way, with complementary legal solutions for you. These include tax management and reduction strategies, and inheritance protection. Find out more about our estate planning service.

Open Hours

Monday to Friday
8:00am to 5:00pm

Closed Public Holidays

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Contact Us

27 Welsford Street
Shepparton, VIC 3630

T: (03) 5833 3000
F: (03) 5831 2988
E: info@plus1group.com.au