Retirement Advice
Retirement Goals
We help you model retirement income and expenses, consider your preferred retirement age and test how different assumptions may affect the longevity of your savings. Projections are estimates, not guarantees, and should be reviewed as circumstances change.
Pre-Retirement
Before retirement, advice may cover savings, superannuation contributions, investment mix, debt and cash flow, retirement timing and potential Centrelink implications. Where specialist tax advice is required, we can work with your chosen accountant.
Post-Retirement
After retirement, advice may cover account-based pensions, investment strategy, cash flow, withdrawal rates and Centrelink. We can model how different choices may affect your projected income and the longevity of your savings. Actual outcomes vary, so ongoing review is important.
Superannuation and Investment Strategy
We review your superannuation accounts, contribution opportunities, fees, insurance arrangements, investment options and tolerance for risk. Recommendations are tailored to your circumstances. Investment values can rise or fall, and growth is not guaranteed.
Income Streams
Retirement income may come from account-based pensions, annuities, defined benefit pensions, personal investments and Centrelink. We compare suitable options and model different withdrawal rates. Projections depend on assumptions and cannot guarantee how long savings will last. Specialist tax advice should be obtained from a registered tax adviser.
Our Retirement Advice Process
Our advice process is designed to make the decisions, responsibilities and next steps clear.
1. Initial conversation
We discuss what you want to achieve and whether our services are likely to suit your needs.
2. Information gathering
We gather the information required to understand your objectives, financial situation and needs.
3. Advice and recommendations
We explain the recommended strategy, reasonable alternatives, costs, risks and trade-offs.
4. Implementation
If you choose to proceed, we agree on the actions we will complete and any actions that remain your responsibility.
5. Ongoing review
Where an ongoing service is agreed, we review progress and consider whether changes are appropriate as your circumstances and relevant rules evolve.
Advice and projections cannot guarantee a particular retirement outcome.
Speak with Mohammad Hussein CFP®
It can be useful to start planning before retirement is close. To discuss your goals and whether personal advice may help, arrange an initial conversation with Mohammad.
Phone: (02) 9683 2869