At this point in your life path, you are preparing for retirement.
With grown kids, an "empty nest" and a career ladder ascended, you're excited to make the most of your hard-earned money and are gearing up for the day when your 9-5 routine is in the rearview mirror, and you can spread your wings and enjoy free time in retirement.
But the big questions haunting you are WHEN you should retire, and IF your savings will support the lifestyle you envision. The thought of leaving that steady paycheck behind is both alluring and anxiety-inducing.
It could be that you already have savings in-hand, ready to invest, and you're keen to explore investment strategies that'll shield your nest egg from market volatility.
Or perhaps you're already enjoying retirement and want to keep the good times rolling! You're looking into budgeting and cash-flow management to ensure your comfort without burning through your cash.
No matter which group you belong to, what you're really after is a solid financial plan for this next phase of life, peace of mind knowing your non-work income sources are set up and secure, and confidence that you're on the right track for a pleasurable retirement.
LifePath Financial Planning can
provide strategies involving:
- Gaining a clear picture how much money you will need to sustain your desired retirement lifestyle—and a roadmap to reach it.
- Establishing your retirement income streams from savings, Superannuation, government contributions and investments—then structuring them to meet your unique financial needs.
- Planning for the longevity of capital—so you have a means of funding expenses long term.
- Ensuring your assets and investments are tax-effective.
- Determining your eligibility for Centrelink benefits and restructuring your assets to maximise them, and determining your eligibility for allocated pensions.
- Using annuities for retirement funding.
- Superannuation strategies and adjusting your Superannuation phases for retirement.
- Understanding your cash-flow position to set you up for success and remove any financial uncertainty you feel about retiring.
- Estate planning. More than just a Will, we will help arrange your assets so that loved ones receive the right amount of money, at the right time, in the most tax effective manner. While fine-tuning the balance of funding your retirement and leaving a financial legacy to your family.
Why choose us?
TRAINED BY THE BEST
An experienced team, formerly part of the esteemed Whittaker Macnaught Group.
SELF-LICENCED
Our clients benefit from greater flexibility of choice around financial products such as investments, insurance, superannuation and account-based pensions.
2 OFFICES IN BRISBANE
Convenient for our clients, with locations across Northside and Southside Brisbane.
BEST PRACTICE ADVISERS
Being a fully family‑owned and self‑licensed practice with no alignment to any investment or super providers means our guidance is shaped only by what matters most: your goals, your values, and your financial future.
How LifePath’s financial planning process works
Please note: This may vary as every planning solution is custom—however, this is a good rule of thumb!
Initial Conversation
We'll schedule a time to connect in your nearest LifePath office location; then, you'll come in to have a friendly 'Meet and Greet' conversation over coffee. We will discuss your financial goals and needs, propose a personalised solution, explain the cost of our services, and you can leave and decide whether it's a good match.
Personalising Your Financial Planning
At this point, we'll work with you to establish your vision, explore your goals and challenges and tailor-make a well-researched, collaborative financial plan. Depending on your goals, this phase could entail several meetings or just one.
Acting On Our
Advice
At this point, we share that personalised, strategic, solutions-based financial roadmap with you. We'll provide you with options, and say which we think is the RIGHT one for your needs. However, you get to choose which you ultimately take. Projections are included to help inform your decision.
Reviewing Your
Plan
Every year, we review your financial plan to ensure the advice and strategy are still working for you and identify what, if anything, needs adjusting. Whatever changes occur in the market or your personal life, we'll make sure you stay on course financially by keeping tabs on your plan and progress.
As you transition from accumulating to drawing down assets and move from a steady paycheque to having none in retirement, there are significant decisions to make regarding maximising your government contributions, minimising your taxes, and making the most from your money. A financial adviser can be an immense support in providing much-needed clarity. Together, we'll clear the fog of uncertainty, create a plan of action, map out your income sources, and offer peace of mind that you can indeed enjoy the quality of life in a retirement that you've worked towards and deserve.
What LifePath financial planning clients say
James is absolutely fantastic. He’s really knowledgeable and delivers valuable advice in a very calm and professional manner. I cannot recommend James highly enough.
Lifepath have supported me through some major life milestone with professionalism and integrity. Their clear and practical advice relieved the stress of settling my father’s estate and the uncertainty of entering retirement.
I have had the pleasure of collaborating with the Life Path team when working within the aged care sector. After confidently recommending them to many, many families needing specialist guidance, there is no-one I trust more to navigate my own retirement journey. I trust them, I like them and continue…
Tim Fanning from LifePath has been an invaluable support to our entire family, especially our Mum, during her transition to aged care. The process of moving into aged care can be overwhelming, but Tim’s professionalism and deep understanding of the financial landscape made a world of difference. He expertly guided…
James is very professional by giving the advice based on the client’s background, situation and retirement plan. I would be very happy to recommend him to anyone.
We were interviewed in an excellent manner by Shannon McKeown, who was very thorough and helpful. We have given great thought to her possible options. Thank you for suggesting an interview for us. When Shannon heard that we had read one of your recent books, she gave us a copy…
Excellent financial advisers – LifePath provides something that money can’t buy – peace of mind. The peace of mind that comes from knowing your financial affairs are being given the utmost professional, ethical, and personal attention – while staying focused on the investment goals that are important to you. Their…
I wanted to give you a big thank you for making sure that I really enjoy my retirement! I am not sure if I have ever specifically said that to you before, but I wouldn’t believing the life I now have if you hadn’t supported me in managing my finances. …
We were recommended to LifePath by close friends and have been extremely happy with the service received to date. We have been dealing with Craig and he was very helpful and knowledgeable with our transition of our super fund from a SMSF to a more standard plan. Then we went…
James gave me expert advice on the topics listed above – mainly in relation to my mother’s entry and exit of an Aged Care facility. He explained all the financial considerations in relation to maximising her assets and cashflow whilst minimising tax and in the ongoing management of the RAD….