James Coyle

James has over 35 years experience in financial services with particular expertise in two of the key components of retirement finance - Superannuation and the Age Pension. He is passionate about providing the guidance and support that can help older Australians enjoy their best possible retirement. He lives in regional Victoria surrounded by dogs and chooks.
How long could your retirement last?

How long could your retirement last?

The most important fact when planning retirement funding is not your savings, but how long they will need to last. This can lead to stress for many retirees who are concerned about running out. But this stress can be managed quite easily by using reliable information to more accurately predict your own life expectancy – as well as that of your partner.

The team at Retirement Essentials has worked hard to produce a calculator that helps you move beyond the ‘how long is a piece of string’ guess work many retirees struggle with. Here’s what you need to know about life expectancy and how to calculate your own so you can then create more accurate retirement income forecasts.

Making your savings … and super work harder

Making your savings … and super work harder

We recently reported on a statement by Aaron Minney, head of research for annuities provider, Challenger, which we believe is a massive game changer. Aaron said that it’s important for retirees to stop viewing their super as a ‘nest egg’ and to consider it, instead, as a ‘pay packet’.

A few things about Centrelink … that you need to know

A few things about Centrelink … that you need to know

A member recently asked us how long it is reasonable to wait for a response from Centrelink. That’s not an easy question to answer. The short answer is, ‘it depends’. The longer answer is equally complicated, as it still depends on many different aspects of your question or application.

Talking about this with Steven Sadler from the Retirement Essentials Customer Services Team, we learned so much useful information. So we decided that it was best to share his insights and tips as they will help fast-track answers for many Retirement Essentials members.