Pre-retirees

At this stage in life you have:

• Minimal or no debt
• A high disposable income with no dependents to support and little debt to service
• A greater earning capacity (compared to when you were an inexperienced worker)
• An increased capacity to save
• A growing investment or superannuation portfolio
• Accumulated assets
• A comfortable standard of living

Your financial concerns and goals might be:

• To start planning for retirement and retirement income streams
• To maximise investment earnings and savings
• To continue to accumulate wealth
• To protect your wealth
• Estate planning

LifePath Financial Planning can provide strategies for Pre-retirees involving:

• Ensuring your investments are tax effective
• Ensure you can meet your retirement requirements (how much you need and when you want to retire)
• Plan your transition to retirement
• Restructure your assets to maximise Centrelink benefits
• Budget and cash flow analysis
• Personal risk insurance
• Estate planning