Financial Planning in your 60's and above

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Your 60's and above are all about planning for retirement or if you are already retired, living your best life without the stress of running out of money.

There are a range of important ages in this decade, from age 60 when you can access your super, age 65 when you can have a full tax free pension account, and age 67 when you meet the age eligibility for government Age Pension. These ages create a range of different investment, tax and cashflow opportunities. We typically help by:

Creating retirement plans which show when and how you can retire considering your super, personal wealth, goals and objectives and government entitlements (if applicable).
Adjusting your investment mix to reduce risk and minimise tax across personal and super investments.
Maximising your super and minimising your tax through a range of contribution and other wealth building strategies.
Assistance understanding, managing and often maximising your government entitlements. There are a range of Age Pension strategies available to maximise your entitlement, even if you are on a partial pension benefit. We also help you navigate the complex and time consuming Age Pension system.
Taxation planning for future beneficiaries to ensure your family achieves the best possible outcome. We can help you understand the different tax treatments of superannuation and personal assets when inherited, and plan preemptively to maximise the amount of wealth that stays within your family.
Assistance with your legacy wishes from binding death benefit nominations through to coordinating with your will with an estate planning expert.