Retirement should be about freedom. But too many Australians are retiring without freeing themselves from the biggest master of all – debt and the Banks they owe money to.

We Aussies are a successful bunch. Whether that be economically, on the sporting field or even how we get on with each other, we do most things really well.  The Government's Intergenerational Report (IGR) spells out how successful we have been in the most important area of all – staying alive.

We’ve recently discussed perhaps the most powerful retirement strategy of them all - work a bit longer.  

Well, now it seems that leaving retirement behind to return to the workforce is increasingly popular among older Australians. I came across this article originally published in the Sydney Morning Herald which shares the experience of 2 such people, and highlights the challenge of getting your retirement decision right. 

Saving and investing for retirement are important. But for most people, another strategy is far more powerful - working a bit longer.
​
Keep reading. There are some provocative nuggets here.

Political debate regarding the refunding of franking credits for those that don’t pay tax is starting to heat up.  I must have been asked by a dozen people what the hubbub is all about. 
 
“Can you explain simply dividend imputation, franking credits and double taxation”
 
It is a little complicated and I reckon the best way to explain is by example.  Let me know if this makes sense.

Once a decision has been made to buy an investment, it is important to consider the best investment structure to use.   An investment structure refers to the way investments are legally owned.  Many people simply purchase assets in their own name or joint names, when other ownership structures may be more suitable.

There used to be a ‘traditional’ approach to retirement. It went like this.  

On 7 August 2018 the Australian population has edged past the 25 million mark. What could this mean for the future financial wellbeing of everyday Australians? Hear from Certified Financial Planner® Professional Tony Sandercock of wetalkmoney about the potential impact on finances and retirement outcomes of a bigger population. ​(This article originally appeared in Money and Life)

There’s so much today about the financial side of retirement.  Save more, invest more, have more, but for what? For you the answer may be financial independence, or maybe just the ability to stop working at a job you don’t like.  There are legions of experts out there to help you figure out your asset allocation, how much you need to save, how much you can safely withdraw etc etc etc.