It's Happening, And It's Happening Right Now.

Across Australia, over 200,000 baby boomers turn 65 each year.  The age of retirement. Next year, another 200,000.   But only a few will retire with financial certainty. ​Consider this: 40 years ago, there were over 7 Australians of working age for every one over 65. Today, there about 4.5.  In 40 years time, there will 2.7. That's not enough.
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In 40 years’ time, life expectancy will be 95+ for men and 96+ for woman. Two million of us will be aged over 85. Forty thousand of us will be over 100 - compared with 5,000 now and just 125 in 1975. 

Did you know, when the age pension was introduced in 1908, life expectancy for a man was 63. Now we can expect to live for 30 years in retirement. Or more.

So what does all this mean?

Pressure on those things we take for granted - health care, residential aged care, pharmaceuticals, social security.

So what's the solution? 

Work with us to optimise your financial nest egg with effective income and investment strategies. Let us look at how your investments can grow with the proper risk and tax efficiency, yet still throw off the income desired in retirement.  

We can help you navigate today's changing financial landscape.  We follow a systematic process to help you pursue what is important to you.  Here is how it works. 

First we understand you. We work with you to identify your goals and objectives.  We help you prioritise what is most important.

Next we’ll help you get financially organised, where your data is consolidated into one clear picture of you.  You'll see your bottom line.  When you know what you have and what it is worth, you can make informed decisions about what to do with it.

​To help you make smart choices we use innovative tools to visualise ‘what if’ scenarios about your financial life.  

We can evaluate all kinds of potential options for you.  

Watch what happens to your retirement nest egg when you spend more.  Look at the net effect of something important like downsizing your house, or selling your business. See how different tax and investment strategies impact the bottom line.  

We have the expertise and the technology to help you visualise the cause and effect of your financial decisions, not just for today but throughout your entire lifetime. 

If you do nothing else but review your options with a professional, you have a far better chance to live out your golden years in financial comfort.

Forward thinking is what smart planning is all about. 

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