Super and planning for retirement
27th May 2025
Life Stages
At AF Financial Planning, our goal is to help you reach your potential, whether you are just getting started, building your wealth, preparing for retirement or enjoying life after work.
Getting started
How we can help:
- Develop a budget to manage cash flow effectively.
- Explore lending options for purchasing or renovating a home and implement debt management strategies.
- Introduce investment strategies to help you save for long-term goals, such as your children’s education and wealth creation.
- Make recommendations about your superannuation arrangements including personal contributions, salary sacrifice, co-contributions and spouse contributions.
- Review and advise on personal insurance to protect you & your growing family.
- Guide you through the process of creating a Will and estate plan.
- Use financial modelling to give you a glimpse of your future financial position.
Established professionals & families
Life is busy, and while retirement may still seem far off, you want to ensure your financial future is secure. This is the time to strengthen your financial foundation and build long-term wealth.
How we can help:
- Implement strategies for debt reduction and appropriate mortgage structuring.
- Review your budget and cash flow to optimize financial efficiency.
- Develop investment strategies to generate passive income and grow your wealth.
- Make recommendations about your super arrangements including personal contributions, salary sacrifice, co-contributions and spouse contributions.
- Advise on tax reduction strategies.
- Determine appropriate asset protection structuring e.g. Trusts, Companies etc.
- Review and update your Will and estate plan.
- Ensure personal insurance arrangements are appropriate and reflects your wishes.
- Develop financial modelling to visually showcase the benefits of implementing and adhering to your strategy.
Pre-retirees planning the next chapter
With retirement on the horizon, you’re looking forward to all the experiences life after work will bring. Planning ahead while you’re still working ensures you can step into retirement with confidence and financial security.
How we can help:
- Review superannuation account including personal contributions, salary sacrifice and understand when you can access your superannuation.
- Explore and advise on transitioning to retirement strategies that are available.
- Assess whether investment risk should be adjusted as retirement nears.
- Determining appropriateness of any gearing investment strategies.
- Provide financial modelling to determine how long your funds will last based on your desired lifestyle.
- Explore accelerated debt reduction strategies to eliminate debt.
- Identify additional investment opportunities to support your retirement plan.
- Develop tax optimisation strategies and effective financial structures.
- Determine your future eligibility for Centrelink entitlements, such as the Age Pension.
Retirees enjoying the rewards of their work
You’re enjoying life after work and all the new opportunities it brings. Now, you want the reassurance that your finances will support your adventures while also enabling you to share your wealth and leave a lasting legacy for the future.
How we can help:
- Recommend superannuation income stream strategies including annuities and pensions.
- Provide guidance on downsizing your home and investing surplus funds.
- Structure your finances to maximize government benefits, such as the Age Pension.
- Implement tax-efficient strategies to reduce the impact of tax on you and your family.
- Identify how long your money will last by looking at your income and assets and how they are structured.
- Assist with succession planning and intergenerational wealth transfer.
- Develop philanthropy and charitable giving strategies.
- Evaluate the best use of funds from an inheritance received.
- Review and optimize your estate planning arrangements.
