Multi-award-winning financial advice to create freedom, happiness and security.

Forget the one-size-fits-all headlines. How much you need depends on the age you retire, the cost of your lifestyle, the investments you're comfortable with, and the kind of inheritance you’d like to leave.

You can’t start too early, but you can start too late. The earlier you begin planning for retirement the more likely you are to have the accumulated wealth to retire when you want to, with the freedom and security you deserve.

Making super contributions often creates a better financial outcome due to the tax deductions available, however, what’s optimal varies based on income levels, interest rates, proximity to retirement and the emotions associated with debt and sharemarkets.

When you retire after reaching your preservation age (60 for most people), or at age 65 regardless of employment status.

Transition-to-retirement (TTR) legislation allows Australians who’ve reached preservation age but are still working to access their super by drawing a regular income stream. This is generally a strategy to facilitate a reduction in working hours in the years leading up to retirement, but can also be used as a tax strategy to create the cash flow needed to make tax-deductible contributions to super.

Forget the one-size-fits-all headlines. How much you need depends on the age you retire, the cost of your lifestyle, the investments you're comfortable with, and the kind of inheritance you’d like to leave.

You can’t start too early, but you can start too late. The earlier you begin planning for retirement the more likely you are to have the accumulated wealth to retire when you want to, with the freedom and security you deserve.

Making super contributions often creates a better financial outcome due to the tax deductions available, however, what’s optimal varies based on income levels, interest rates, proximity to retirement and the emotions associated with debt and sharemarkets.

When you retire after reaching your preservation age (60 for most people), or at age 65 regardless of employment status.

Transition-to-retirement (TTR) legislation allows Australians who’ve reached preservation age but are still working to access their super by drawing a regular income stream. This is generally a strategy to facilitate a reduction in working hours in the years leading up to retirement, but can also be used as a tax strategy to create the cash flow needed to make tax-deductible contributions to super.