The Retirement Light at the End of Your Career Tunnel Is Closer Than You Think

Got a bucket list? Retirement planning can make it happen

Retirement. Endless cruises. Lying on a beach sipping cocktails. Travel, lazy brunches out, and days that are yours to spend as you like.

But the reality is, the age pension isn’t – and won’t be – nearly enough to fund the lifestyle we all dream of when we’re no longer working. And with most of us spending a quarter of our life in retirement, the time to start planning is now.  

We guarantee it won’t be boring or painful. And we promise that you’ll feel a million bucks once you have a plan in place. Together, we’ll: 

  • Review your current financial situation 
  • Identify your retirement goals 
  • Recommend strategies for us to achieve those goals, and 
  • Develop a plan, from budgeting through to investments and beyond, that will look at both our short-term and long-term goals
  • Review your Will to ensure it remains relevant.

Common retirement planning questions

So many of our clients share the same concerns and have the same questions. Because while retirement planning is something we all need to consider, it’s also well out of most people’s area of expertise. 

That’s why we do what we do. If you’ve ever asked yourself any of these questions, we can help.

How much money will I need for retirement? When can I access my superannuation? Will I pay tax on my superannuation if I take a lump sum?
Am I eligible for the Age Pension? What are income streams, and how will they affect me? What are the income and assets tests? How do they affect my Age Pension?

Remember, what works for your brother, sister, parent or friend won’t necessarily work for you. You’re unique – and so your strategies need to be, too. 

This is why we’re so focused on a one-on-one approach. This ensures we identify exactly what you want in retirement, before developing and implementing plans during your peak earning years to make it happen. Together, we’ll: 

  • Establish how much you need for your retirement 
  • Work out your estimated retirement age, based on your plans 
  • Identify the ideal retirement income products for your situation, enabling you to manage your money in retirement 
  • Maximise any Centrelink payments and benefits you’re entitled to, and 
  • Ensure your insurance is exactly what you need, and 
  • Minimise your tax and maximise your income.

So many of our clients share the same concerns and have the same questions. Because while retirement planning is something we all need to consider, it’s also well out of most people’s area of expertise. 

That’s why we do what we do. If you’ve ever asked yourself any of these questions, we can help.

How much money will I need for retirement?
When can I access my superannuation?
Will I pay tax on my superannuation if I take a lump sum?
Am I eligible for the Age Pension?
What are income streams, and how will they affect me?
What are the income and assets tests? How do they affect my Age Pension?

Remember, what works for your brother, sister, parent or friend won’t necessarily work for you. You’re unique – and so your strategies need to be, too. 

This is why we’re so focused on a one-on-one approach. This ensures we identify exactly what you want in retirement, before developing and implementing plans during your peak earning years to make it happen. Together, we’ll: 

  • Establish how much you need for your retirement 
  • Work out your estimated retirement age, based on your plans 
  • Identify the ideal retirement income products for your situation, enabling you to manage your money in retirement 
  • Maximise any Centrelink payments and benefits you’re entitled to, and 
  • Ensure your insurance is exactly what you need, and 
  • Minimise your tax and maximise your income.

Already retired?

Are you a self-funded retiree or receive the Age Pension? We can help. 

If you’re independently funding your retirement, it’s worth reviewing (and possibly restructuring) your finances so you can maximise any Government entitlements. As a Creo Wealth client, you’ll benefit from our time and expertise in monitoring:  

  • Your investments and retirement income, and 
  • Social security changes that might affect you. 

If you’ve ever asked yourself any of these questions, we can help

Self-managed superannuation funds are a great way to take control of your own super. They provide you benefits on retirement or earlier if you decide to invest in property. From strategising solutions through to the ongoing management of you SMSF, we can help.

Why Creo Wealth for retirement planning?

We don’t want to show our age, but we’ve been helping our clients in the Penrith, Castle Hill and Blue Mountains areas with retirement planning for almost 20 years.  

  And as specialists in Centrelink entitlements, we know what Centrelink payments and benefits are available to you in retirement. We’ll make sure you make the most of your retirement options and income. 

Don’t navigate the minefield of retirement planning and Centrelink benefits on your own. We’ll ensure your tax is minimised and your income is maximised when it comes to retirement.  

There’s never been a better time than now to start the conversation – call Penrith’s leading qualified retirement planners on 02 9629 1866 or shoot us an email today.  

Your future self will thank you – we guarantee it.

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