Planning for Retirement

Pre-retirees – Planning for Retirement

The final years of your working life represent one of the most important financial stages you’ll ever achieve. You’ve paid down your mortgage, your children have either left home or are at least well on their way, and you’re working through the last few years of your career. It’s at this stage that you want to invest time and effort into in planning for your retirement.

Expert retirement advice can be the key to being sure that you’re going to have enough money to not only keep you during your retirement, but allow you to afford the lifestyle that you prefer. Good financial planning will help ensure an income stream as well as maximising any tax and Centrelink entitlements.

We partner with you to get to know your current financial situation and your comfort level when it comes to risk, and then we work with you to devise a strategy that will help you achieve those goals.

Various strategies include:

  • Salary packaging – putting more of your salary into additional superannuation contributions.
  • Structuring your superannuation and your investments to maximise your after-tax income and Centrelink benefits.
  • Explore the option of Transition to Retirement (TTR) – reducing working hours but maintaining your current lifestyle by drawing down a portion of your superannuation.
  • Taking advantage of concessional and non-concessional contribution limits.

Whatever you situation now is the time to think about how to make the most of it with good advice. Lambert Investments and Lambert Parkhill can help protect and build your wealth and assist you with planning for retirement. Click on the links below to find out more: