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strategic retirement planning services for retirementRetirement is one of life’s major transitions.  It usually means the career where you generated your salary, is over or has been scaled back considerably. The house is (hopefully) paid off, the kids are (hopefully) off doing their own thing and you finally have significant time for yourself.  It can be both a source of excitement and also anxiety - excitement due to all the new possibilities that will open up, but also anxiety over your new place in the world and how you will cope financially in the absence of the security that paid employment brings.

It is a time when you transition from building your asset base to drawing down on it to live from day to day.

Will I have enough money to live comfortably in retirement?

We find the most common question people ask when they approach retirement is “have I got enough to live the lifestyle I desire?”. The fear of running out of money is very real and can become a millstone around your neck.

Having provided retirement planning to thousands of people over the years, we are well qualified to understand the issues that are important to people and to devise strategies to overcome them.

It is never too early to start planning for retirement.  In fact, the earlier you start, the better position you will be in when the big day comes.  However, even if you have already reached retirement there are still likely many ways in which we can help you.

Our Strategic Retirement Planning service considers five key planning areas; your specific circumstances, issues, goals and objectives will determine how heavily we focus on each:

  • Income Planning –
    • Budgeting
    • Structuring income to maximise opportunities
    • Transition to Retirement Pensions
    • Government Pensions (i.e. Age Pension)
    • Drawing on your superannuation assets to fund your retirement lifestyle
    • Ways to stretch income further
  • Investment Planning –
    • Recommend investments that align with your risk tolerance and objectives
    • Assessment of appropriate investment structures to use
    • Recommendations on the timing of investments and whether gearing is appropriate
  • Debt Planning –
    • Balancing the payment of debt vs building an investment portfolio
    • Determining whether we can improve your current debt structure
    • Determining whether debt can play a part in future wealth creation
  • Risk Planning –
    • Understand existing risks in how you have structured your finances and how to mitigate them
    • Recommendation of appropriate levels of risk insurance
  • Estate Planning –
    • Understand what you own, owe and control
    • Understand what you want to achieve with your estate plan and how we can provide predictability around these needs
    • Understand how all of the structures you have in place affect future generations

The benefit of Segue’s Strategic Retirement Planning is it gives you a greater sense of understanding of the different options you have and their potential impact on your financial future, enabling you to plan for your future in a more educated and informed manner.  Planning helps replace fear and ignorance with comfort and understanding, allowing you to approach the future with confidence and a sense of certainty, and Segue is here to help you all the way.

Contact Segue Financial Services today on 9509 1599 to find out more. It's never too soon to plan for your future.

Segue Financial Services

Ground Floor, Suite 2

307-313 Wattletree Road

Malvern East VIC 3145

Phone: 9509 1599

Fax:+61 (03) 9509 1577

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.


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