Retire with a purpose and a plan
You've worked hard, lived within your means and are good at managing your money.
But you still wonder...
Will we ever have enough to retire?
When can we say goodbye to work and hit the road in our caravan?
What if things don't go to plan?
Will we be able to go on that big overseas trip we've been dreaming about?
Can we afford to help out our kids and spoil our grandkids occasionally?
What happens if the share market crashes again?
Will we qualify for the Age Pension when the time arrives?
It's a nagging feeling of uncertainty you can't shake off.
ETG Wealth takes the worry out of retirement planning by putting you in the drivers seat with clear directions.
Be prepared for retirement, clear about how you will spend your time and money.
ON THE HORIZON
Retirement is 10 or less years away: Retirement is still in the distance, but you want to get all your financial ducks in a row now, so you feel relaxed and in control. You're not leaving your financial future to chance.
We can help you:
Define what you want your retirement to look like and create a timeline of the key milestones.
Take a look at your income and expenses to ensure your cash flow is on track and moving you towards your goals.
Figure out how much is 'enough' for you to retire and when and how you'll have enough money saved.
Make a plan to pay off your mortgage.
Boost your retirement savings by investing both inside and outside of superannuation.
Ensure you stay on course and any life changes are factored into your plan.
THE HOME STRETCH
Retirement is 5 or fewer years away and you're counting down until you can choose how you spend your days. You want reassurance that you're on track to replace your employment income with retirement income when the day comes to move into the next phase of your life.
We can help you:
Define what you want your retirement to look like and create a timeline of the key milestones.
Take a look at your income and expenses to ensure your cash flow is on track and moving you towards your goals.
Figure out how much is 'enough' for you to retire and when and how you'll have enough money saved.
Make a plan to pay off your mortgage.
Ensure you stay on course and any unexpected life events are factored into your plan.
Assess how much super you have and when you can access it, and ensure your super is working for you.
Explore options to maximise the last few years of employment income in a tax effective way.
ACROSS THE GOLDEN LINE
Enjoying retirement: the daily hustle of work life is behind you, and you're free to fill your days with the things that matter most to you. Optimise your retirement income and get your fair share of government entitlements, so you feel confident you can continue living the lifestyle you love.
We can help you:
Help you to understand your retirement income options and how best to implement them.
Ensure your retirement income is structured so it lasts as long as possible.
Ensure you are staying on track to enjoy the things that are important to you.
Support you when dealing with Centrelink.
Provide ongoing support and advice to remove any surprises and help you feel confident about your cash flow.
