How to confirm your retirement income

Even after retirement, it’s normal to feel uncertain about whether your money will last and whether you’re making the most of what you’ve worked for. Many Australians in their late 60s and 70s share the same concerns:

• Am I getting all the Age Pension I’m entitled to?
• Am I using my super in the most effective way?
• Will my savings stretch as long as I need them to?

If you’ve ever wondered the same, you’re not alone. At this stage of life, finances are only part of the picture – there’s also lifestyle, health, and planning for future needs which may include aged care. With so much to think about, it can feel overwhelming.

How to take your first steps

You don’t need to solve everything at once. Small, practical actions can often give you perspective and reduce uncertainty. Start by

1. Reviewing your income sources – super, savings, investments, and any Account-Based Pensions.
2. Next, outline your spending priorities – everyday costs, lifestyle goals, and activities that matter to you.
3. And don’t forget to consider government support – make sure you’re aware of entitlements such as the Age Pension, which can help your money go further.

Even minor adjustments such as reviewing how you draw down super or checking that you’re accessing all available support can make a meaningful difference over time.

Not sure what you need? That’s okay, we’re still happy to help. We know it can sometimes be confusing and difficult to know how to get started so we are happy to have a quick, obligation free, 10 minute call with you to understand your needs and match them with our most appropriate service. Book a FREE 10-minute phone conversation to determine which of our services best suits you.

Next steps if you would like more guidance

• Check your entitlements: Use our Retirement Essentials Age Pension Entitlements Calculator for a quick estimate.
• Understand your options: In a 30-minute Entitlements Consultation, a specialist can walk you through your situation, explaining how the rules apply.
• Plan with confidence: For super strategies, retirement income planning, and a long-term outlook, a Retirement Advice Consultation offers tailored support and reassurance.

The real question isn’t just “Am I going to be okay?” — it’s “Am I ready to take the first step?”