When life changes direction
If you are thinking of retiring within the next 5-10 years, the plans you put in place now are critical, ensuring when you hit your mid-60s you aren’t facing an inescapable crisis. It’s true, people are living longer. Not that long ago, in the “olden days” our great grandparents continued to work until they died. Now, we are living way beyond the time we leave the workforce, so let’s look at a few ways you can enjoy a comfortable retirement without the everyday worry and concerns.
RETIREMENT BLEND
Retirement these days is not about packing up all your belongings at work into a box one day, then suddenly finding yourself sitting on the couch bored. Retirement for most people is a blend of working less hours than your traditional week and allowing more time for leisure activities and travel.
WHAT’S THE MAGIC NUMBER?
Starting to put thought to what retirement might look like for you and then developing a plan on how to bring it to life is a great starting point. You can do this at any age of course, but we appreciate that the closer we are to the magic retirement number, the more this topic becomes a priority. To determine your retirement number, we need to get clear on your retirement goals and how you want your life to look. In our experience, there are no two people that retire in the same way, so think about how you want to spend your time and if you have a partner, we encourage having open conversations with them to ensure you are both aware of each other’s desires.
ARE YOU GOOD AT PLANNING?
How do you start planning for your transition to a successful retirement? And what can you learn from retirees who have made the transition into the kind of life they wanted? While income and wealth contribute to overall happiness and life satisfaction in retirement, there is more to the story. Studies show a strong positive correlation between retirement planning and eventual retirement satisfaction. Most of us need some help to create a plan for our retirement goals. And making the most of your super, investments, government entitlements and incentives can be hard to do on your own. Having an expert work with you to navigate different options for your retirement planning can help you feel confident in your future.
LET AN EXPERT HELP YOU
The areas that our team at Hallerwealth take into consideration when creating an individual plan for retirement includes:
• Aged Care
• Cash flow management
• Estate planning
• Insurance
• Investments
• Retirement
• Savings
• Self Managed Super Funds (SMSF)
• Superannuation
We partner with our clients for the long term, offering a unique and personalised experience that’s tailored to their needs and financial dreams. It’s only when we fully understand an individual client’s idea of Financial Freedom that we can help them create the life they really want to live.
Three ways to help you get there:
• Attaining life’s goals – we focus on what’s best for you
• We ask ‘what’s next’ – we empower you on your life journey
• Partners for life – we’re with you for the long haul
The financial success of our clients is not only proof of our abilities as wealth managers, it brings us all a lot of satisfaction. Indeed, to be able to enable financial freedom leaves us with enormous pride.
www.hillross.com.au/hallerwealth/
Our team at Hallerwealth want to be your retirement partner and continue finding ways to keep you doing the things you love, and new things you’d like to do. So when life changes direction, your plans simply change with you.Wayne Haller Pty Ltd (ABN 18 010 334 102), trading as Hallerwealth is an authorised representative and credit representative of Hillross Financial Services Limited ABN 77 003 323 055, Australian Financial Services Licence and Australian Credit Licence No. 232705. This information is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person. Therefore, before making any decision, you should consider the appropriateness of the advice with regard to those matters.
