Understanding Your Financial Landscape as a Pre-Retiree

As retirement comes into view, your focus shifts from wealth accumulation to planning how to transition into the next phase of life with confidence. Many of our clients at this stage:

• Are working toward a clear retirement date.
• Want to ensure their finances can support their ideal lifestyle in retirement.
• Are actively building and fine-tuning their retirement income strategy.

Strategic Wealth-Building Approaches

With retirement approaching, the financial decisions you make now are critical. This is the time to position your wealth so it can reliably replace your employment income - without taking unnecessary risks. We help pre-retirees:

• Structure finances and investments to build a sustainable income stream in retirement.
• Grow assets in a tax-effective way, making use of your final high-income years.
• Build cash reserves to reduce sequencing risk and provide a safety net as you step away from full-time work.
• Factor in part-time work or phased retirement to smooth the transition.
• Assess and manage outstanding debts to avoid carrying unnecessary liabilities into retirement.
• Create early retirement options, where possible, to give you more flexibility and freedom.

Typical areas of advice include:

• Superannuation - maximising contributions, reviewing investment mix, and preparing for pension phase.
• Retirement income planning - modelling your future income and ensuring it aligns with your lifestyle goals.
• Savings and tax-effective investments - putting surplus income to efficient use in and outside super.
• Insurance review - ensuring the right cover is in place (and no longer paying for what you don’t need).
• Home loan optimisation - reducing debt ahead of retirement.
• Property strategy - as an income source or capital base in retirement.

This stage is all about turning your accumulated wealth into a reliable and flexible retirement plan. We’re here to help you make informed, confident decisions as you approach your next chapter.