Retirement planning
to secure your future
Retirement planning to secure your future
Financial advice for the retirement you deserve
When you think about retirement what comes to mind? There’s excitement about having time to travel, explore hobbies, and spend quality time with loved ones. But there’s also worry. Will you have enough saved? What will happen if your health changes? How will your lifestyle shift when you’re no longer working?
With Australians living longer, today’s retirees may need to sustain themselves for around 30 years. This makes retirement planning one of the most important things you’ll do for your future. With the right financial advice and a personalised approach to planning, you can move forward with confidence, knowing you’ve prepared for the future you want.
Let’s make your retirement plan, together
Hi I’m Jacki. Working together with you, I bring a personalised, caring touch to retirement planning. Throughout the process, you can be assured I’ll deliver exceptional service and knowledge allowing you to take proactive steps now. Getting sound financial advice now can help ensure your retirement years are not just comfortable, but truly enjoyable.
While retirement planning can feel complex, it doesn’t have to be overwhelming. I’m here to guide you, step by step. Together, we’ll look at where you are now, where you want to be, and what you need to do to get there.
I’ll help you understand your current financial situation, set realistic goals, and create a personalised retirement plan that considers all aspects of your retirement. Whether it’s investment strategies, managing risk, or understanding healthcare options, I’ll make sure you’re well-prepared for whatever comes your way.
Retirement planning in Adelaide
Retirement planning is about more than just finances—it’s about creating a future where you can do what you love without constantly worrying about money.
Because retirement isn’t just the end of your working life, it’s the start of something new and exciting. By taking control of your retirement planning now, you’re giving yourself the gift of peace of mind. You’ll know that when the time comes, you’ll be able to enjoy your retirement on your terms, doing the things you love.
So, what are you waiting for? Let’s start planning your dream retirement today. Reach out and let’s talk about how we can turn your worries into a confident, clear path forward. Your future self will thank you.
Jacki has given me the confidence to enjoy my retirement without worry. She makes my finances easier to understand and knowing I can check in with her to answer any questions is very reassuring. I have already recommended her to a number of my friends who are going to be retiring soon.
Rosemary – Aged 59
Jacki has reviewed and fine-tuned my superannuation portfolio to make sure I have enough income for a comfortable living. She always responds quickly when I contact with her and I look forward to seeing her each year for our annual review.
Raymond – Aged 60
Retirement planning results in action
Julie
Julie is 67 and has $110,000 in an industry super fund. She has just retired and has received an inheritance of $1m and wants to set up a strategy to fund her retirement goal of $55,000 per annum in a tax effective structure. She wants to maximise her super contributions with the inheritance proceeds.
I met with Julie, discussed her goals and objectives and in conducting my research into her current position, determined that she is a very conservative investor and worried about investment volatility. Part of her inheritance was a super fund payment which carried a tax liability which Julie needs to declare in her tax return. As a result she is going to have to pay additional tax on the contributions she has made into super in that financial year.
I recommended a super contribution strategy where she could ‘carry forward’ unused concessional contributions from the previous five financial years. She could also maximise her non-concessional contributions in this financial year and then next financial year use the ‘bring forward’ limit to maximise contributions over the next three financial years. This resulted in her being able to contribute nearly $500,000 of her inheritance into super.
I then recommended she turn her superannuation into an income stream where she will pay no tax on the pension payments or investment earnings including capital gains tax.
I determined that she would be able to achieve her retirement goals until past 100 years of age.
Debra
Debra is 65 and wants to retire in two years. She has $275,000 in superannuation and will need approximately $32,000 per annum for living expenses. She owns her own home and has paid off her mortgage. Her superannuation is very aggressively invested in Australian and international shares and Debra is worried about there being a market crash close to her retirement.
I met with Debra and discussed her retirement goals – she is happy with her current super fund and is happy to review the investment strategy to ensure it is suitable for her stage in life. After completing the fact find and risk profile, Debra is more of a ‘balanced’ investor and therefore the current investment strategy for her super fund is too aggressive.
I reviewed the current investment strategy within Debra’s super fund and recommended a strategy more closely aligned to her risk profile. I projected her current financial position and where she would be in two years time at retirement, then recommended in my advice document that she commence an income stream with her superannuation and apply for the aged pension. As she will be eligible for a full aged pension, her superannuation will fund her needs well past her life expectancy and she can afford to take a holiday or upgrade her car if needed. I indicated that I could assist her with the age pension application to ensure a smooth process for her.