Now we have the 2017 Federal Budget out of the way, we can start to focus back on the changes that come into force from the 1st of July 2017. Thanks to changes to superannuation from the 2016 Federal Budget, from 1 July 2017 Transition to Retirement (TTR) pensions will lose a little of their […]
The clock is ticking for investors who want to take advantage of the more generous tax concessions available in super this financial year. As of July 1, new rules come into effect that will reduce contribution limits. Until then, individuals under 65 can make a non-concessional (after-tax) contribution of up to $540,000 under the bring-forward […]
Changes to the pension assets test that came into force on January 1 have resulted in some retirees losing some, or all, of their pension entitlements. The big question now is whether the tighter assets test will encourage people to change the way they plan and behave in the years leading up to retirement to […]
Spending more time with your family. Picking up a brand new hobby. Exploring exotic destinations for longer than your scant weeks of annual leave would allow. However you paint it, retirement is a beautiful goal to work towards. And starting early means you’ve got more time and energy to enjoy it. Early retirement has become […]
Did you know that around 90 per cent of women end up with not enough superannuation savings to fund the lifestyle they want in retirement? In fact, the average superannuation account balance for women when they retire is around $90,000 less than the average for men. There are a number of reasons why this is […]
Retirement planning just became more complex after the government gave superannuation a surprisingly extensive shake-up in the May budget. Some of the proposed changes won’t come into force until 2017, but others may require immediate attention. If you are planning to put after-tax money into super before June 30 you now need to work out […]
It could be called ‘unretiring’ if there were such a word. This is the practice of retirees making a decision to return to work. Financial needs, medical advances and greater longevity are among the most obvious reasons why some retirees decide to try to make a comeback to the paid workforce. Another reason is that […]
An adequate retirement income is – like beauty – all in the eyes of the beholder. The Australian superannuation system has for the past 20 years been concentrated more on the value of the account balance at the time of retirement – the ‘how much is enough’ question. That debate is now shifting quite noticeably […]
Given the financial demands of everyday life, planning your retirement may be a relatively low priority. You may also think that you have plenty of time to plan. But before you put off planning for your retirement any longer, here are some key facts you should consider. Your retirement could last 30 years or more […]
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A person's financial story is like a jigsaw puzzle... "lots of pieces needing to be put into their correct places". A financial adviser can assist a client to put the pieces in the right places by having a series of simple conversations about where a they are currently situated, where they want to be and what strategies can assist them. Every client has a different financial story and goals. Each jigsaw puzzle will always be different. A good financial adviser is experienced at putting together a wide range of jigsaw puzzles. Helping a client put their own puzzle together and seeing their satisfaction is a wonderful feeling.
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