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Super and retirement planning

When you’re busy enjoying life, retirement can seem a long way off. But with Australians living longer and staying more active in retirement than ever before, your retirement lifestyle is not something to be left to chance.

A holistic approach

Your Godfrey Pembroke adviser will take takes a holistic approach to retirement planning, with a personalised retirement plan designed to help you enjoy the retirement lifestyle you’ve been looking forward to. Your plan covers every aspect of your financial life, including risk protection and estate planning, so you can be confident that your family’s future is secure.

We develop your plan using a disciplined process, founded on a thorough understanding of your situation and aspirations:

1. Understanding

Retirement is a very personal thing, and everyone has a different vision for their future. That’s why we start by developing a detailed understanding of your lifestyle goals, both before and during retirement.

We’ll also clearly outline our services and our fees, so you’ll know upfront what our advice will cost and what you’ll receive in return.

2. Strategy

Having uncovered your financial goals for retirement, we’ll develop a strategy designed to help you achieve them. We’ll review your existing super arrangements to ensure they support your goals, identifying any gaps and emerging risks that could impact performance. Then we’ll create an ongoing strategy to maximise your super, with tax-effective options to boost your contributions and investment returns.

We’ll document our suggested approach in a detailed Statement of Advice, setting out your investment, superannuation and wealth protection options, and bringing your financial strategy to life.

3. Implementation

When you’re happy with your financial plan, we can help you execute it, building and managing your portfolio of wealth creation and protection solutions. In doing so, we work in close collaboration with you and other professional advisers, like your accountant, to achieve the best possible outcomes.

4. Review

We’ll meet with you regularly to advise you on your progress and keep you informed about new opportunities, emerging risks and regulatory changes. So you can relax and enjoy life, confident that your financial future is in good hands.

Retirement planning strategies

Here are some of the retirement planning strategies we may help you explore, depending on your individual situation:

  • Salary sacrifice. Making pre-tax contributions through salary sacrifice provides the dual benefit of reducing your taxable income and maximising your super contributions. For someone in the highest tax bracket, that can provide an upfront tax break of 31.5%. And because earnings within super are taxed at a maximum of 15%, you’ll also build more wealth over time than in a comparable non-super investment.
  • Contribution splitting. For couples where there is a considerable difference in earnings, there can be a significant tax benefit in diverting extra super contributions to the lower-paid partner’s account.
  • Retirement income streams. Once you’ve stopped working, the right choice of retirement income stream is essential to fund your retirement lifestyle over the long term. We can help you select the best option for your personal situation, then structure your income to support your changing circumstances.
  • Wills and estate planning. We can help you explore options for transferring wealth effectively to leave a lasting legacy for your family, including testamentary and family trusts.

Contact us

370 Mann Street
North Gosford NSW 2250

PO Box 9373
Wyoming NSW 2250

(02) 4337 0755

(02) 4337 0701

New Achiever Award winner 2014

Adam Moremon has been awarded the Godfrey Pembroke New Achiever Award for 2014. Adam has the following … Read more

Services

Our team have experience in managing a broad range of client goals and circumstances, including: Wealth planning and … Read more

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