Retirement Planning

This is usually at the heart of every person's investment strategy. We save to meet future expenses and the biggest future expense for most of us is our own income in retirement. A respected fund manager, BT Australia, has given us some figures to use as a guide for a lifetime pension, using capital and income over average estimated life expectancy.

Current Income Retirement Income Funds Needed At 65

We assist you to prepare for retirement by showing you how to save as much as possible, using the best planning, investments and tax effective strategies. We also direct you on the sources of income in retirement, such as superannuation pensions and annuities, lump sums, employer packages and government pensions and allowances.

Financial Planning

Financial planning is the way to wealth creation and protection of your assets. It is more than retirement planning and will include future living requirements, educational and wedding expenses for dependants, holiday and travel, children's savings accounts, investment of inheritances, advice about wills and powers of attorney, insurance and other personal issues. The plan is the guide that you will use to ensure that your financial objectives, circumstances and needs are really your goals and are clearly stated. When you have a plan that sets out where you are heading, you can be more certain that you will get there.

Our advisors are licensed to prepare appropriate plans, within the legal requirements and according to industry practice. We believe that we do more than just prepare a plan for you. Our plans are made to be implemented and reviewed and to become the platform for all future advice.

A well-prepared financial plan is the start of a lifelong relationship to give our clients the financial freedom they expect.

Superannuation

The most significant change to employment and retirement saving has been the compulsory superannuation contributions by employers. However, this situation is part of the government's retirement savings plan to reduce our expectations of government pensions at retirement. We are saving for our own pension in retirement.

Let us show you the most effective and efficient ways of saving into superannuation. There are tax savings available that make contributions effective and there is a government sponsored scheme that provides a lump sum payment of up to $1,000 per year for low income earners.

Effective investment and consolidation of small holdings into a single fund can increase the savings in superannuation. We can advise you and assist in this process.

Copyright © 2006 AAA Financial Intelligence