What We Can Do For You

Planning for retirement is an exciting time. There is so much to look forward to; spending more time with family and loved ones, doing more of the things you love and finally start doing the things you have always wanted to do.

The one question our clients always ask when we first meet with them is – when can I retire? After analysing their situation, we often find it may be a lot sooner than they think!

Planning for retirement can be complex but working with The Moreton Group, you can have confidence in your plans, so when you do retire, your financial resources will sustain your lifestyle.

Our experience and know-how on the complex issues surrounding retirement planning and finances are where we can help, and planning ahead means you can make the most of the opportunities now for the future.

We will be a partner on your journey to retirement and work with you to achieve what you desire for these years.

We’ll give you the confidence to enjoy your retirement without worrying about your finances

How We Can Help

Retirement Planning

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

Through retirement planning, we can guide you through the following:

  • Setting and reaching your retirement goals.
  • Navigating Australian Government entitlements and Centrelink benefits.
  • Understanding the taxation and investment aspects.
  • Obtaining peace of mind knowing you have a plan to make sure your assets are passed on the way you want them to be.

We have the experience and know-how to make your retirement work for you and help make sure you’re primed for retirement before settling down and leaving the workforce for good.

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Retirement Planning

Superannuation & Retirement Income

How much income will your retirement savings provide you with?

Superannuation plays a significant role in planning for retirement. Good retirement planning is not just about your immediate living expenses, but the potential long-term costs too. We can help you set realistic expectations about post-retirement spending habits and establish the right mix of retirement income streams depending on your individual needs and circumstances.

Superannuation can be one of the most tax-effective ways to build your retirement nest egg early. We can provide expert superannuation advice to help you access some of your super while you continue working or make your retirement savings work smarter, not harder.

Centrelink is another essential part of any great retirement strategy and should be a factor when planning for retirement. We understand that claiming benefits can be complicated, such as the age pension, but it may be helpful for you in providing a steady income during your retirement.

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Investments

When retirement is on your horizon, our expert investment advice can guide your investment plans to meet your changing needs.

This is something we can discuss earlier with you. We understand the consequences of poor investment decisions and the severe implications as we get older when there is less time to make up for losses.

As earned income is then replaced with investment income, you will really see the benefit of the retirement plan you established years earlier.

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Tax Strategies & Planning

Taxation Strategy

If you are over 55, there may be opportunities in the tax system to restructure your finances and save thousands of dollars in tax. These strategies 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.

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Estate Planning

Estate planning well in advance is essential in knowing what to expect and understanding how the decisions you make now can make a big difference to your future and the future of your loved ones.

Our estate planners will help you consider how to structure your estate and life insurance coverage to ensure it is distributed according to your wishes in a tax-effective manner and ensure your loved ones are protected.

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Estate Planning for Teachers & Nurses

Learn more about planning for retirement by arranging a free introductory meeting with a Moreton Group financial adviser today.

YOUR MORETON GROUP JOURNEY

Resources

Reading

Top 5 Retirement Planning Mistakes To Avoid
Top 5 Retirement Planning Mistakes To Avoid
There's More Than One Way To Boost Your Retirement Income
There's More Than One Way To Boost Your Retirement Income
Retirement Fears And Expectations
Retirement Fears And Expectations

Calculators

Budget Planner Calculator

Budget Planner Calculator

Work out where your money is going

Calculate

Your Savings Goal Calculator

Your Savings Goal Calculator

Calculate what income you are likely to have when you retire

Calculate

Employer Contribution Calculator

Employer Contribution Calculator

Calculate the strength of your current financial situation

Calculate

Resources

Reading

Top 5 Retirement Planning Mistakes To Avoid
Top 5 Retirement Planning Mistakes To Avoid
There's More Than One Way To Boost Your Retirement Income
There's More Than One Way To Boost Your Retirement Income
Retirement Fears And Expectations
Retirement Fears And Expectations

Calculators

Budget Planner Calculator

Budget Planner Calculator

Work out where your money is going

Calculate

Your Savings Goal Calculator

Your Savings Goal Calculator

Calculate what income you are likely to have when you retire

Calculate