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Retirement Planning

Getting ready for retirement can be the greatest financial challenge. That’s why it’s never too early to start thinking about your retirement lifestyle goals.

Things to consider include:

  • Allocated pensions
  • Lifestyle after work
  • Retirement strategies
  • Tax concessions
  • Tax free income
  • Tax free investment earnings
  • Government entitlements

Retirement brings with it access to one of the largest sums of money in your life. It’s imperative that you know the options available to you to ensure the funds will last throughout your retirement, and are easy to manage. We can assist you with:

  • Self-Managed Superannuation Funds
  • Business/Employee Super
  • Income Streams
  • Pensions & Annuities
  • Superannuation & Rollover Advice
  • Centrelink Pension and Allowances

And remember, you can start drawing an income from a superannuation pension fund once you reach preservation age (currently 55), regardless of whether you’re still working, and while you’re under 75, your employer can continue contributing to your superannuation savings and you can continue to make additional superannuation contributions, subject to a work test. You may also be eligible for government co-contributions. It’s your retirement – your way.

Not sure how much money you’ll need?

You can find a useful online calculator tool on the consumer website of investment watchdog ASIC at (click on ‘Publications and Resources’) that will show you how much money you are likely to accumulate in super for a range of annual contributions.

What is Retirement Financial Planning?

GK Financial Services Group can assist you by:

1. Reviewing your current financial situation to create a plan that reflects your lifestyle goals and values
2. Analyse any taxation or superannuation laws, or Centrelink rules that will apply to your situation
3. Modeling alternate financial scenarios that help determine how much money you will need each year in retirement
4. Recommend investments that will help you achieve your goals
5. Work with you to develop a financial strategy that creates the lifestyle you want in retirement, and then make sure you keep on track with reviews at a frequency that meets your needs.

We can help you work through your retirement options and decide which path is the most financially attractive for you. Contact us for a free initial consultation with one of our expert advisers.