What We Can Do For You

Retirement financial planning is crucial to ensuring you have enough money to last through your sunset years. With people living longer than ever before, you need to make sure that your taxation, pension, and investment aspects are in a carefully structured plan.

When you are ready to relax into retirement, you want to have an income, to enhance Centrelink benefits and the peace of mind that comes from knowing you have a plan to make sure your assets are passed on the way you want them to be. The lead-up to retirement presents some rare opportunities to potentially restructure your superannuation and investments, save tax and set yourself up for a worry-free future.

We have the expertise and experience to make your retirement work for you. Our expert team of financial planners can help reduce any stress so you can live the lifestyle you want. Our role is to act as your guide and mentor through what can be a daunting change in your life so you can enjoy your work-free years in comfort.

After climbing the mountain, let us help you finally enjoy the view with our expert retirement financial planning services.

How We Can Help

Maintaining Your Lifestyle

Sometimes, you might put so much effort into planning for retirement that you forget to consider how you might like to fill your days when you stop working, whether that’s travelling the world or playing golf with friends.

It’s empowering to familiarise yourself with your financial situation, and good retirement financial planning will ensure you can live comfortably throughout your retirement years. By speaking with our financial advisers, you might be surprised to find that you can enjoy spending even more than you do now.

Retirement is something you’ve worked for your whole life, so we want to give you the confidence to enjoy this milestone comfortably, lead the life you want in retirement and handle any surprises that may come your way.

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Maintaining Your Lifestyle
Government Benefits

Government Benefits

Centrelink is an integral part of many of our client’s retirement strategies. With entitlements such as the age pension, you can possibly rely on them to produce a steady income during your retirement.

Claiming government benefits is often complex and complicated, especially when your assets and income is under review. Hence, it’s essential to get your investment planning in line with Centrelink’s requirements to ensure you reap the maximum benefits once you retire as a former taxpayer.

Our financial advisers can provide tailored retirement planning support, including Centrelink assistance. We understand how the income and assets tests are applied, including managing changes to your situation. Keeping Centrelink up-to-date ensures you don’t miss any extra benefits you may be entitled to.

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Taxation Strategy

Those over 55 may be eligible for tax opportunities, allowing you to restructure your finances and save thousands of dollars in tax. These opportunities aim to have a neutral impact on take-home income now but could have a significant reduction in the tax you pay and the growth of your super.

Alternatively, you may be able to use taxation strategies to help fund a reduction in working hours or assist with easing into retirement years before you actually take the final step.

If you need help with retirement preparation, The Moreton Group can help get your taxes sorted and possibly save you money to spend on things you love instead.

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Taxation Strategy
Estate Planning

Estate Planning

Estate planning is never more critical than when you hit retirement. Our professional estate planners can help you take the logistical and administration pressure off your friends, family and caregivers by providing certainty during significant life events. We can help you develop a comprehensive estate plan with the interests of your loved ones in mind.

  • Life Insurance
  • Superannuation Nominations
  • Wills
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Intergenerational Wealth

Your most precious gifts need to be nurtured, which is why intergenerational wealth management can be important when it comes to leaving something behind for your children or grandchildren.

We’ll help you create a plan to pass along financial assets to the next generation, whether that’s an inheritance, real estate or investments.

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Intergenerational Wealth
Aged Care Advice

Aged Care Advice

We all want to be young for as long as possible and enjoying the best life has to offer. However, inevitably, we all get older, and our needs and level of care change as we enter this final phase of our lives. Managing your pension in your retirement years can be stressful and emotional, as we want to make good decisions for ourselves and those we care about. Ensuring your pension account is right for you is a great step forward to removing the stress from retirement.

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Learn more about retirement financial planning by meeting with a Moreton Group financial adviser

YOUR MORETON GROUP JOURNEY

Resources

Reading

Navigating March's Age Pension Adjustment
Navigating March's Age Pension Adjustment
Downsizing In Retirement
Downsizing In Retirement
Retirement Fears And Expectations
Retirement Fears And Expectations

Calculators

Super And Pension Calculator

Super And Pension Calculator

Find out when you can get your super and apply for the pension

Calculate

Account-Based Pension Calculator

Account-Based Pension Calculator

Calculate how long you can expect your pension to last

Calculate

Your Net Worth Calculator

Your Net Worth Calculator

Work out the strength of your current financial situation

Calculate

Resources

Reading

Navigating March's Age Pension Adjustment
Navigating March's Age Pension Adjustment
Downsizing In Retirement
Downsizing In Retirement
Retirement Fears And Expectations
Retirement Fears And Expectations

Calculators

Super And Pension Calculator

Super And Pension Calculator

Find out when you can get your super and apply for the pension

Calculate

Account-Based Pension Calculator

Account-Based Pension Calculator

Calculate how long you can expect your pension to last

Calculate