Understanding Your Financial Landscape in Retirement

Now that you’ve retired, your focus shifts from building wealth to preserving it, and making sure it supports the lifestyle you've worked hard to create. Our retiree clients typically:

• Are fully retired or semi-retired, with time to enjoy the next phase of life.
• May have recently sold a business or property, or received an inheritance, and are seeking the best way to invest the proceeds.
• Want to make their retirement savings last, without taking unnecessary risks.
• Are focused on generating a reliable income to fund their lifestyle, while also planning for aged care and estate needs.
• Want to manage cash reserves and investment risk while still achieving growth to keep pace with inflation.

Making Your Retirement Wealth Work for You

In retirement, the goal is simple: to enjoy the life you've earned - without constantly worrying about money. But achieving that requires thoughtful structuring, careful risk management, and the confidence that your money will last.

At Northern Beaches Wealth, we help retirees:

• Turn assets into income, especially when facing the “asset rich, cash flow poor” conundrum.
• Create reliable and flexible retirement income streams based on what you have today.
• Maintain cash reserves to fund short-term needs and provide peace of mind.
• Manage risk and achieve steady growth to keep pace with inflation over the long term.
• Structure superannuation and investments to minimise tax and maximise after-tax income.
• Provide transparency and control, with secure online access to your investments.
• Outsource financial decision-making with trusted advice, so you can focus on living your best life.
• Address estate planning priorities, ensuring your wealth is passed on in line with your wishes.

We typically provide guidance across areas such as:

• Superannuation and income streams - including account-based pensions and transition strategies.
• Cash flow and spending plans - to keep you on track with lifestyle goals.
• Investment strategy - balancing income, liquidity, and capital preservation.
• Tax management - using smart structuring to retain more of your retirement income.
• Estate planning - identifying gaps and aligning your plan with your values and family needs.

Retirement should be about enjoying life, not navigating financial complexity alone. We’re here to take the pressure off and make sure your money supports what matters most.