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Stage 05

Preparing for Retirement

Consolidating with confidence and right focus

Financial decisions made in the last decade before retirement can set the scene for the rest of our financial life. The planning discussions evolve around your future lifestyle and the income required to fund it. The thought of retirement can feel scary and our experts will make sure you always feel understood and in control.

Stage 05

Preparing for Retirement

Consolidating with confidence and right focus

Financial decisions made in the last decade before retirement can set the scene for the rest of our financial life. The planning discussions evolve around your future lifestyle and the income required to fund it. The thought of retirement can feel scary and our experts will make sure you always feel understood and in control.

The 7 Stages of Life

The Preparing for Retirement journey

Defining priorities

We’ll guide you in defining your future investment goals and objectives around sustainable income which will need to last longer than you.

Establishing good habits

Transitioning to retirement is a complex process of change, balancing the current objectives with new, with aim to maximise the nest egg.

Navigating unknown

Understanding the daily noise around retirement, we will explain the real risk you need to be aware of and decisions you need to make to retire with confidence.

How we can help

Typical scope of work for this stage

We specialise in assisting clients who want to take control of their future and start on the own path to financial freedom. We typically address the following areas:

Clarifying of new upcoming objectives

Reviewing what matters and addressing new priorities to focus on moving forward.

Investment planning

Consolidation of capital and preparation for the next stage, considering assets inside and outside super

Super and retirement planning

Reviewing the goals, strategies and investments to ensure you are on track.

Budget & cash flow management

Revisiting the cashflow after kids moved out and mortgage is paid off. Redirecting in line with retirement objectives.

Debt strategies

Making sense of which debt is beneficial to keep and which one should be paid off.

Insurance review

Debts typically reduced, asset position is stronger, years to retirement keep reducing. Time to rethink insurance portfolio.

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.
Planning for the future – Deb Campbell’s story
Eyes on the horizon

Planning for the future – Deb Campbell’s story

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Navigating the ups & downs – Carol’s story
Right where she planned

Navigating the ups & downs – Carol’s story

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The journey of life – Barbara Stewart’s story
Transitioning into retirement

The journey of life – Barbara Stewart’s story

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Explore More Client Stories
Your Specialists

Matched to your life stage

We have experienced planners specialising in each life stage. Each deeper stage page will introduce the specialist planners best suited to your situation.

Your Specialists

Questions we help you answer

Retirement is one of life’s biggest transitions. After years of building wealth, you want confidence that you’re making the right decisions before stepping into the next chapter.

Let us guide you and help you understand your options and prepare with confidence. We simplify the complexities so you can make informed decisions about retirement income, superannuation and your future lifestyle.

Getting organised before retirement makes the transition smoother and helps you enjoy the years ahead with greater certainty and peace of mind.

  • How much capital do I need to retire?
  • Should I invest all my money in super?
  • Are my investment strategies optimised for last decade of work?
  • We paid off our mortgage, what should we do with surplus income?
  • Should we keep our investment property?
  • How do we help our kids while being on track to retire?

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

Ready for your path forward?

Book a conversation with Bill, Michal, Gary or Steven — the first step is simpler than you think, and it could change your financial future.

 

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