Expert Retirement Planning in Doncaster
Navigate your transition to retirement with confidence.
We connect you with a specialist retirement financial adviser to create a clear, personalised plan for the future you deserve.
Reaping the Rewards of a Lifetime of Hard Work
Your Trusted Partner in Preparing for Retirement.
Retirement is a significant and exciting life milestone, but it also brings important questions.
How much is enough? When can you afford to stop working? How will you fund the lifestyle you’ve always wanted?
Getting the right retirement advice is the key to answering these questions with certainty.
Through our partnership with the retirement financial advisers at Fiducian Financial Services, we provide our Doncaster and Manningham clients with a seamless approach to superannuation retirement planning, ensuring your strategy is both effective and integrated with your tax position.
Reaping the Rewards of a Lifetime of Hard Work
Your Trusted Partner in Preparing for Retirement.
Retirement is a significant and exciting life milestone, but it also brings important questions. How much is enough? When can you afford to stop working? How will you fund the lifestyle you’ve always wanted? Getting the right retirement advice is the key to answering these questions with certainty.
Through our partnership with the retirement financial advisers at Fiducian Financial Services, we provide our Doncaster and Manningham clients with a seamless approach to superannuation retirement planning, ensuring your strategy is both effective and integrated with your tax position.
Our Retirement Planning Services
A Personalised Approach to Your Retirement Goals
Your vision for retirement is unique. We connect you with a financial adviser for retirement planning who listens to your story and designs a tailored strategy to help you get there.
Defining Your Retirement Vision
The first step is understanding your goals. Do you want to travel, downsize, or help your grandchildren? We’ll connect you with an expert who will help you calculate the income you’ll need and the super balance required to support that lifestyle.
Building Your Retirement Savings Plan
We’ll connect you with a specialist who can review your current situation and develop a retirement savings plan to help you reach your goals. This can include strategies like:
Salary Sacrificing: A tax-effective way to boost your super contributions directly from your pre-tax income.
Self-Employed Super Contributions: Guidance on the best ways to build your super when you work for yourself.
Retirement Investment Strategies: Developing a retirement investment plan that adjusts to suit your changing time frame and risk profile as you get closer to retirement.
Retirement Income Planning
Once you’re ready to stop working, the focus shifts to creating a reliable income stream. A specialist can provide advice on the best retirement investment options for you, including:
How to draw down your super, whether through account-based pensions or annuities.
Understanding the tax implications of your retirement income.
Integrating your plan with Centrelink and other government benefits.
Frequently Asked Questions About Retirement Planning
This is the most common question, and the answer is different for everyone. It depends on your desired lifestyle, your eligibility for the Age Pension, and your other investments. A financial adviser can analyse your personal circumstances and give you a specific figure to aim for.
You can generally access your super when you reach your "preservation age" (which is between 55 and 60, depending on when you were born) and meet a condition of release, such as retiring from the workforce.
While you can take your super as a lump sum, most people benefit from using it to start an income stream (a pension) to provide a regular, tax-effective income throughout retirement. A financial adviser can help you decide on the best strategy for your needs.
A Trusted Local Partner for Your Retirement Journey
When you’re planning for something as important as retirement, you want a local partner you can sit down with and trust.
We are your local connection to specialist retirement financial advice. We have deep roots in the Manningham community and are here to guide you through the process, ensuring you feel confident and supported every step of the way.
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What Clients Say About Us
Take the First Step Towards a Confident Retirement
It’s never too early or too late to start planning. Contact us today to schedule a complimentary, no-obligation consultation. We’ll help you start the conversation about retirement planning in Doncaster East and connect you with the expertise you need to secure your financial future.