As retirement approaches, it’s natural to ask, “Am I going to be okay financially?” For Australians with a modest super balance, this question can feel urgent. Many people worry they won’t have enough to live comfortably, particularly if they’ve worked...
As retirement approaches, deciding what to do with your accrued leave is an important step. Whether you choose to take your leave as paid time off or cash it out as a lump sum, understanding the financial and practical implications will help you make the...
Practical steps to understanding Retirement is a major life milestone—often exciting, but sometimes uncertain. Superannuation, Account-Based Pensions (ABPs), investments and spending plans all have moving parts, and working out how they fit together can feel...
Q: We’re still working but my husband’s health isn’t great. Could we clear our mortgage using super so he can stop working sooner? That’s the question Mia brought to me recently. She and her husband Raj live in a family home in outer Melbourne. Both are in...
Make sure you read this first The end of one financial year or the beginning of another is a very popular time to step back from full-time work. Of course some people are ‘age’ driven and respond to a very specific birthdate trigger such as Preservation Age...
Discount and concession cards Most of us love a discount. And when the cost of living is persistently high, concession cards are worth their weight in gold. There are a range of discount and concession cards available to older Australians. But the rules...
Stop now - or keep working? Retirement at 67 is often seen as the default, but is it really the best choice for everyone? Helen, who turns 67 in April, is weighing up her options. She has $275,000 in superannuation, $25,000 in personal assets, and $10,000 in...
Last week, I discussed the most common retirement questions our members ask during strategy consultations with our advisers. One of the big ones is: ‘Do I have enough? Sometimes that thought is closely linked to ‘Do I have enough - yet?’ The real question...
Later this week some of us will drown our loved ones in attention, flowers, chocolates and positive messages. Others will wonder why it’s so hard to get a booking at the local taverna on Friday night. Yes, it's Valentines Day on the 14th and a big day in...