FAQs2021-05-31T15:09:10+10:00
Where are you located?2021-04-15T00:00:55+10:00

Our head office is located at Sanctuary Cove on the Gold Coast, QLD.

Our other locations are Southport and Mount Kilcoy in QLD and Newcastle in NSW.

When can I retire?2021-09-10T06:24:15+10:00

Generally, you can retire much earlier than you think!

Many people believe they have to wait for the age pension access age, which is slowly rising to 67, but that’s not always the case. In fact, the average age for retirement in Australia is closer to 55.

Your retirement plan will be unique to your financial situation, assets and superannuation plan.

We’d be delighted to assist you in creating a pre-retirement strategy that allows you to plan the retirement you want today so you can sustain your lifestyle and enjoy it in the future. If you’d like to schedule a free introductory meeting, give us a call on 5606 6055.

When can I access my super?2021-07-21T12:58:43+10:00

You can get your super when you reach ‘preservation age’, which depends on when you were born. Please note, your preservation age is not the same as your pension age.

  • Before 1 July 1960: You can access your super at age 55.
  • 1 July 1960 – 30 June 1961: You can access your super at age 56.
  • 1 July 1961 – 30 June 1962: You can access your super at age 57.
  • 1 July 1962 – 30 June 1963: You can access your super at age 58.
  • 1 July 1963 – 30 June 1964: You can access your super at age 59.
  • After 1 July 1964: You can access your super at age 60.

In some circumstances, you can access your super before you reach your preservation age due to incapacity, severe financial hardship, on compassionate grounds or due to a terminal medical condition.

What’s involved in getting a financial plan?2021-05-12T14:24:28+10:00

The first step is to schedule an obligation-free introductory meeting with one of our advisers, where we’ll discuss what you’re hoping to achieve from your financial plan. Of course, if you’re not sure yet, we can help with that too!

If you decide that we’re the right advisers for you, then we can dive into your financial information in the same meeting. After we have the information we need from you, the turnaround for your personalised financial plan is roughly four weeks. We’ll arrange a time to present it to you, and you can ask any questions you want to. We’ll then guide you in what you need to do to implement your plan and be available by phone for follow-up support when needed.

If you’d like to schedule a free introductory meeting, give us a call on 07 5605 6055. We’d love to be a part of your financial journey.

What if I can’t come into your office?2021-04-15T00:01:30+10:00

We host the majority of meetings at our office, however if you cannot come in, we are sometimes able to visit you.

Please mention this when booking your first meeting with us.

What happens to my money when I pass away?2021-07-21T12:28:34+10:00

In the event of death, your bank accounts are closed by the bank with any remaining money used to pay out what you requested in your will.

If there is no will, ownership of the account and its assets will be transferred to your next of kin or estate administrator. It’s important to note that any credit card debt or personal loan debt will be paid from your bank accounts before the account administrator takes control.

In this event, having a well thought out estate plan can provide some certainty for loved ones.

How much super do I need to retire comfortably?2021-07-21T11:52:30+10:00

There isn’t an exact figure that equates to a comfortable retirement. However, we can look at your current financial situation and work with you to create a pre-retirement strategy that allows you to plan the retirement you want today so you can sustain your lifestyle and enjoy it in the future.

Our financial planners can help you make the most of the super you have, explore additional contribution options or assist you in managing your SMSF.

If you’d like to calculate how much super you’ll have when you retire, check out Money Smart’s Superannuation Calculator.

How much super do I need to retire comfortably?2021-07-21T12:59:13+10:00

There isn’t an exact figure that equates to a comfortable retirement. However, our superannuation experts can review your current financial situation and devise a pre-retirement strategy that allows you to plan the retirement you want, ensuring your lifestyle is sustained in the future.

We can help you make the most of the super you have, explore additional contribution options or assist you in managing your SMSF.

If you’d like to calculate how much super you’ll have when you retire, check out Money Smart’s Superannuation Calculator.

How much pension will I get when I retire?2021-09-09T06:45:12+10:00

The amount of age pension you receive does depend on a few factors, such as your financial situation and whether or not you’re part of a couple.

Centrelink uses income and asset tests to work out how much age pension you’re entitled to.

The rates for a full age pension for Australian residents for the period 20 March 2021 to 19 September 2021 are:

  • Single: $952.70 per fortnight.
  • Couple (Each): $718.10 per fortnight.
  • Couple (Combined): $1,436.20 per fortnight.
  • Couples Separated Due To Illness: Each receives the Single rate, which combined is $1,905.40 per fortnight.

From 20 March 2021, the maximum full age pension increases $8.40 per fortnight for a single person and $6.30 per person per fortnight for a couple.

If you’d like to calculate how much super and pension you’ll have when you retire, check out Money Smart’s Superannuation & Pension Age Calculator.

How much pension will I get when I retire?2021-07-21T12:51:10+10:00

The amount of age pension you receive does depend on a few factors, such as your financial situation and whether or not you’re part of a couple.

Centrelink uses income and asset tests to work out how much age pension you’re entitled to.

The rates for a full age pension for Australian residents for the period 20 March 2021 to 19 September 2021 are:

  • Single: $952.70 per fortnight.
  • Couple (Each): $718.10 per fortnight.
  • Couple (Combined): $1,436.20 per fortnight.
  • Couples Separated Due To Illness: Each receives the Single rate, which combined is $1,905.40 per fortnight.

From 20 March 2021, the maximum full age pension increases $8.40 per fortnight for a single person and $6.30 per person per fortnight for a couple.

If you’d like to calculate how much super and pension you’ll have when you retire, check out Money Smart’s Superannuation & Pension Age Calculator.

How much money do I need to retire comfortably?2021-07-21T11:53:41+10:00

There isn’t an exact figure that equates with a comfortable retirement.

However, we can look at your current financial situation and work with you to create a pre-retirement strategy that allows you to plan the retirement you want today so you can maintain your current lifestyle throughout your retirement years.

How much do you charge?2021-05-12T14:25:07+10:00

The first step in working with us is scheduling an obligation-free introductory meeting, the costs involved in this meeting are covered by us and there is no obligation to proceed past this meeting.

If we are able to help you, we will quote a fee that is appropriate to the level of service you require.

If you would like to schedule an introductory meeting, please give us a call on 07 5605 6055 and we will get you booked in at your earliest convenience.

How long does it take to get my financial plan done?2021-04-15T00:05:31+10:00

The first step is to have an introductory meeting with one of our advisers, which we can book in for you at your earliest convenience.

From there, the turnaround time for your financial plan is approximately four weeks. Once your individual financial plan is complete, we’ll have another meeting with you to present and run through the details of your plan and how it will be implemented. So that we can deliver your plan in as timely a manner as possible, we will usually set a date for this second meeting during our introductory meeting.

How does super fit with my retirement?2021-09-09T06:44:50+10:00

Once you retire and transition to spending what you’ve accumulated in your super fund, there are a number of options for you to consider. You can:

  • Leave the money in your super account until you need it.
  • Take all or some of your money out as a lump sum.
  • Move all or some of your money into an account-based pension.
  • Move all or some of your money into a regular income stream, known as annuity.

We would be delighted to provide the superannuation advice needed to ensure you continue to maintain and enjoy your lifestyle well into your retirement. If you’d like to schedule a free introductory meeting, give us a call on 5606 6055.

How do I protect myself and my family with life insurance?2021-07-21T12:44:33+10:00

Life insurance is designed to protect your quality of life and offer peace of mind to your loved ones if the unexpected should happen. This might be especially important if you’re starting a family and want to take steps to make sure they’re protected.

Most people might think of life insurance as something that only covers death, but it can include other benefits such as Total and Permanent Disablement (TPD) and income protection.

One of our expert financial advisors will help you work out which type of insurance you need, what you want to be covered for and how much you want to be insured for.

How do I plan for retirement?2021-07-21T11:53:51+10:00

The run-up to retirement presents some unique opportunities to restructure your super, save tax and set yourself up for a worry-free future.

Your retirement plan will be unique to your financial situation, assets and superannuation plan.

Our retirement planning team is standing by to help you create a tailored pre-retirement strategy that allows you to plan your retirement today to ensure your lifestyle is upheld in the future. If you’d like to schedule a free introductory meeting, give us a call on 07 5605 6055.

How do I make an appointment with The Moreton Group?2021-05-12T14:25:33+10:00

To start your financial planning journey, the best way to make an appointment with us is to give us a call on 07 5605 6055.

One of our friendly administration staff will be able to book you in with an adviser for an introduction meeting to openly discuss your plans, goals and objections.

The costs involved in this meeting are covered by us and there is no obligation to proceed past this meeting.

How do I access my super when I retire?2021-04-14T23:58:23+10:00

You can withdraw your super:

  • When you turn 65 (even if you haven’t retired).
  • When you reach preservation age and retire.
  • Under the transition to retirement rules.

You can request your superannuation from your super provider when you would like to withdraw your superannuation. There are a few options available when doing this, such as choosing a retirement income stream, receiving a lump sum or even a mixture of both.

We can help you decide how and when to receive your super as part of a holistic retirement plan designed to maximise your position now and into the future.

How can I establish an investment account?2021-07-21T12:45:00+10:00

You can apply for an investment account if you’re over 18 and if you’re applying in your own name or in the name of a trust.

You can jointly open some investment accounts, but it depends on the provider and type of account.

Some investment accounts may have a minimum opening balance, and you may need to provide details such as your address and your tax file number. Please note that each investment account has its own application requirements; however, we can help you with this.

If you’re unsure about establishing an investment account and creating a share portfolio, we’d be delighted to assist you. By booking a free introductory meeting, our financial advisors can assess your financial situation and assist with asset allocation and diversification, amongst other things.

Can I retire early?2021-09-09T06:45:28+10:00

Retiring early or at a certain age is perfectly achievable; it just requires forward planning.

If you’re dreaming of early retirement, you will need a retirement plan unique to your financial situation and assets. Our expert retirement planners can help you set up a savings goal while reducing your expenses, outlining a plan to increase your superannuation and build the right investment portfolio.

Can I restructure my tax?2021-07-21T12:37:17+10:00

There may be opportunities for you to restructure your assets, income or look at the critical timing of decisions. Having the right financial adviser who can consider your tax structure when developing your personal financial advice may significantly impact how you maximise your money and retirement position.

Can I change my pension account?2021-07-21T12:50:04+10:00

Your current situation may have changed, or you require a review of your pension account and whether it is still suitable for your needs. The best step is to talk with one of our financial advisers about what you are trying to achieve.

If you opted for ongoing support from The Moreton Group, we review your account every year to ensure your pension account is the best fit for you.

Are there government entitlements I am missing out on?2021-07-21T12:29:12+10:00

There are numerous entitlements available to Australian seniors and retirees. You could be entitled to the Age Pension, an income support provided to older Australians who meet age and residency requirements, subject to a means test. The Commonwealth Seniors Health Card is another entitlement available to those eligible.

If you are concerned you are missing out on any government entitlements; you can determine your eligibility using Centrelink’s Payment Finder.

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