We believe that the best plan for retirement is one which delivers choice. By having a solid retirement plan in place you are able to confidently make the choice to retire from the workforce or not. For many of our clients work had not simply stopped on the appointed day – a gradual wind down of time spent at work is often seen as preferable to a full stop.

It’s no good planning for your retirement the week before you get the gold watch. By this time you should have a VERY clear idea of what life is going to be like once you have made the decision to end your time in paid employment.

We work with you to clarify your perfect retirement, what will you be doing? where will you be going? how will you be spending your days? One of the biggest questions you might need our help with is where will you be living?

Everyone has a different picture of their ideal retirement, so everyone needs to construct a plan to get to that ideal differently. The hardest part is working out what you want to achieve, after that we can use our kit bag of strategic tools to help you get there.

This is one of those times where our advice is so much more than just investment or superannuation or insurance, after all your retirement will have elements of all of those things and more.

We have seen many clients transition into the retirement stage of their lives, and in our experience, the human issues are as much a part of the need to plan as the financial ones. As one friend said once “You can’t play golf five days a week, I’ve tried”. A fulfilling life without going to paid employment each day is a goal we can all aspire to but it requires careful planning to ensure success.

Of course, once you have retired, your financial world is not set in stone. Things change in retirement just as they do in your working life. Having advice on hand when you need it is just as valuable in retirement as it is before you retire.