Retirement Planning
Retirement means different things to different people.
For some, it’s exploring Australia in a caravan; for others, it’s flying at the front of the plane and staying in five-star hotels. Maybe your dream is to spend more time with the grandkids, volunteer in your local community, or simply slow down and enjoy life on your own terms.
We all imagine the second half of our lives differently, which is why thoughtful planning matters.
Why retirement planning matters
We’re living longer than ever, and for most people, compulsory superannuation or the Age Pension alone won’t be enough to create the lifestyle they want in retirement.
A well-considered plan helps you understand where you stand now, what your future could look like, and how to bridge the gap. More importantly, it gives you clarity and confidence — the comfort of knowing your financial future is under control so you can make the most of the years ahead.
How we can help
At Harvest Wealth, we help you plan for retirement with both the numbers and the life you want to live in mind.
We’ll work with you to:
- Identify and prioritise your retirement goals
- Review your income and cashflow needs
- Assess your assets such as your home, savings and investments
- Analyse your superannuation and when you can access it
- Find ways to grow your retirement income
- Structure your finances so your money lasts
- Determine if and when you may be eligible for the Age Pension
- Review your estate planning to ensure everything is in order
How much is enough?
The amount you’ll need for retirement depends on your lifestyle, your plans for the future, and how long you’ll spend retired. Factors like your salary, super balance and other assets all play a part.
That’s why getting personalised financial advice is so valuable — it helps you make confident decisions today that support the life you want tomorrow.
To talk about your retirement plans, contact one of our qualified advisers at Harvest Wealth Services on (03) 9557 3188.