Retirement Planning

On average, Australians are living longer than ever before.¹ This means that saving to achieve your personal income and lifestyle goals in your retirement is more important than ever. Importantly, you may need to look beyond your superannuation to meet your retirement needs and protect your secure financial future.

Whether you have enough superannuation to fund your retirement, own financial assets outside the superannuation environment, or are simply wondering if you can afford to fund property assets beyond your working years, understanding the choices and strategies available in your pre-retirement years is essential.

Your decision to retire is one of the most important decisions you will make in your life. Unless you have a clear plan to meet your desired after-tax expenditure level, this decision may cause you considerable stress. But don't put it off! Leaving your planning too late could mean that you may need to work longer than you planned to.

At Australian Financial Planning Solutions (AFPS), we help you:

• Establish what your desired after-tax expenditure levels are, then formulate clear objectives and a timeline for your retirement;
• Establish a strategy that can put you in a position to retire at an age you desire, while leaving you the flexibility to work if this is what you desire;
• Minimise the taxation impact on your funds at retirement;
• Appropriately structure your investments so that your funds generate sufficient cash-flow to ensure you meet your after-tax expense requirement through all investment markets (remember markets go down as well as up and because of that fact, our portfolios are structured so that you don't have to sell good assets during the down times);
• Manage cost-effective administration to ensure that you are free to enjoy your retirement.