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Stage 06

Already Retired

Providing peace of mind to enjoy golden years

You’ve worked for decades and now it’s time to enjoy your hard work in style. We address the main objectives of every retiree – to ensure they can sustain their lifestyle with the confidence that they will not outlive their savings. Knowing what risks need to be addressed and how to stop the noise are crucial to having fulfilling retirement our clients enjoy.

Stage 06

Already Retired

Providing peace of mind to enjoy golden years

You’ve worked for decades and now it’s time to enjoy your hard work in style. We address the main objectives of every retiree – to ensure they can sustain their lifestyle with the confidence that they will not outlive their savings. Knowing what risks need to be addressed and how to stop the noise are crucial to having fulfilling retirement our clients enjoy.

The 7 stages of life

The Retirement journey

Defining priorities

Review of your strategies, setting the retirement income goals depending on the desired lifestyle. Understanding the real risks in retirement.

Establishing good habits

This stage can get really overwhelming, even scary. Learning who to trust plays a big role. We strive to provide you with clarity and make sure your next steps are in your best interest.

Navigating unknown

With the right focus and empowering perspective, you will learn how to be in charge of important decisions and making them with ease.

How we help

Typical scope of work for this stage

Retirement comes with specific set of complexities and challenges. We typically address the following areas to help you navigate it:

Retirement goals and objectives

Clarification and quantification of retirement goals and understanding what really matters.

Budget & cash flow management

Keeping an eye on cash flow and optimising the flow of passive income.

Designing a retirement portfolio

Designing bulletproof strategies and portfolios that make sense to you.

Ongoing planning

Addressing ongoing changes in your circumstances and providing guidance.

Maximising Centrelink

Making sense of your entitlements and maximising government assistance

Managing inheritance and estate

Reviewing the impact of changes in asset position and planning your legacy.

Clients Like You

Real stories, real outcomes.

Each of our clients has a unique story and set of circumstances, but in each story many things will resonate. Find out how we were able to help our clients work towards future goals and dreams.
Focusing on what mattered – Craig & Paula’s story
One less thing to worry about

Focusing on what mattered – Craig & Paula’s story

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Roots in a new country – Frank & Connie’s story
Starting again, together

Roots in a new country – Frank & Connie’s story

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Life well lived – Bob & Vincenza’s story
Living life to the full

Life well lived – Bob & Vincenza’s story

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Explore More Client Stories
Your Specialists

Matched to your life stage

Retirement is about making the years ahead count, not just making the money last. Our matched planners help you manage income and lifestyle so you can live fully, with confidence.

Your Specialists

Questions we help you answer

Later life usually brings a different set of priorities. Protecting your independence, preparing for future care and ensuring your wishes are carried out become increasingly important.

We specialise in helping clients and their families understand the decisions ahead. We explain aged care, estate planning and legacy considerations in a way that’s clear and easy to follow.

Planning ahead gives everyone greater certainty and reduces unnecessary stress during difficult times. It’s about protecting the people and the legacy that matter most.

  • How can I start drawing on my super in tax effective way?
  • How long will my super last?
  • Should I keep my investment property?
  • Will I outlive my savings or will my savings outlive me?
  • How do I maximise my Age Pension?
  • Should I leave my money in term deposit?

Explore more on what we do

Logo - Charter Financial Planning
Logo - ASTRUM Awards - Practice of The Year Finalist
Logo - ASTRUM Awards - Customer Excellence Finalist
Logo - Most Trusted Advisors Award
37 Years Est.|80 Years Experience|5 Most Trusted Advisor|3 Locations

Book a conversation with Bill or James – the first step is simpler than you think, and it could change your financial future.

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