The Independent Adviser

Retirement Planning

‘Burning’ for astute regulation

Though well intended, government regulation of investment advice over the last twenty years created supervision and compliance that suffocates financial service delivery. Political appetite for higher governance and control has driven the following: Financial Services Reform (FSR) Act of 2001, 2009 Ripoll inquiry, 2010 Cooper Review, 2012 FOFA Legislation, 2014...

Three-tier approach to retirement

Running out of money in retirement is one of the biggest worries for retireees. A disciplined savings and investment strategy over your accumulating years determines how much you accumulate. Equally important is how and where you allocate your assets during your retired years. If you have ample capital, you can afford...

Making the Transition to Retirement

Retirement is a significant change that can elicit wide ranging emotions. In building your new identity outside the workforce, it’s as important to deal with your emotional needs as it is to manage your financials. Unfortunately it’s not as simple as just waking up one day and making the decision...

How Much Super Do I Need for Retirement?

What is a Comfortable Retirement? Most life-changing events involve an ongoing process of emotional adjustment. Retirement is no exception… especially when faced with the likelihood of a retirement of about 25 years. Indeed, at least one member of a couple aged 65 will likely reach age 90 (many will push...

5 things you need to do now for a comfortable retirement

No matter how far off retirement may seem, there are 5 important things you could be doing now to ensure your comfortable retirement. 1. Write down your retirement goals & objectives There is a saying that goes “if you fail to plan, you plan to fail”. The same is true...

Will you outlive your money?

Retirees want to be sure their money lasts through their lifetime. This is a tricky problem to precisely solve because we cannot know in advance how long we’ll be allotted. Despite debate about obesity, smoking and cancer, Australians are now living longer, healthier lives. Though it may seem optimistic, living...

Your Age Pension is at risk

Are you among the 325,000 Australians affected? Many changes to superannuation were proposed in the recent federal budget but none are more likely to have an impact than the proposed changes to the Centrelink Age Pension. The changes are due to come into effect on 1st January 2017. These changes...