Pre-Retirement: Make the Most of Your Super as You Transition into Retirement

The 5-10 year pre-retirement plan is critical in determining what income you will receive in retirement. Working out whether you have saved enough for retirement, and if not, what you can do about it NOW.

Some of the common questions I am asked are things like:

  • Should I be paying more into superannuation or paying more off the house?
  • What is the best way to structure my investments for retirement to maximise my Centrelink entitlement?
  • Am I contributing enough to superannuation, and how much do I really need to fund my retirement?
  • Is my superannuation invested in line with my retirement goals, do I need to take less risk as I get older?
  • Are there any government incentives to help me bolster my retirement savings?

These are all important questions that need to be looked at to ensure you retire with the income you need.

 

Did you know that with the Government’s transition to retirement provisions, you’re able to reduce your work hours as you get closer to retirement age, without reducing your income.

 

We recommend to plan for your retirement as early as possible; SMI can help you implement an appropriate plan and begin the transition to retirement with ease.

Contact SMI and start crunching the numbers today to secure your retirement income!

Pre-Retirement Planning Can Amplify Your Super by Thousands

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Why Choose Us?

  • We are a family run business where your finances are managed by the owners
  • We are not aligned to any one product provider and this enables are to focus on your goals, not selling a  product
  • The person that gives you the advice will be around for a long time, there’s no constant change of Account Managers
  • We are transparent in how we charge clients, and we tell you upfront what the costs will be before we start
Pre-retirement planning
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“Chris and the team have done a fantastic job at setting me up for a secure financial future. I now have my super working as an asset which is generating income. Chris is a straight shooter and provides flexible meeting times and locations.”

– Neil T.

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“The Team at SMI are simply the best!! professional, knowledgeable, are great listeners and communicators and the really understand my needs for the here and now and the future. Above all they provide a friendly and convenient service and are truly genuine people. Would recommend them in a heartbeat!!”

– Toby R.

FAQ’s

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What does it cost to get advice?

The complexities of your finance will determine what the overall costs will be. In the first meeting where we discuss your goals and objectives and what you are looking for, is at out expenses, and it’s not a cost to you. Only after we determine how we can help, and if we can provide value to your situation will we provide you with a cost summary or what it will cost if you were to proceed. There is no obligation to proceed if we are not the right fit for you.

Do I need to come to your office?

Whilst we like to meet our clients in the office, we do offer people the opportunity to work digitally giving people the flexibility of what’s most suitable for them.

We work during the day, what are your business hours?

Our business hours can be flexible as we understand that people work different schedules. That is why we offer online appointments, and we can open the office on Saturday to assist time poor individuals, we want to make great advice accessible.

Financial Services Guide & Privacy Policy

SMI Financial Solutions Pty Ltd ABN 92 154 155 307 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd, ABN 47 097 797 049, AFSL 236523. Christopher Smith (478941) and SMI Financial Solutions Pty Ltd (418006) are authorised for Credit Services with outsource financial ACL384324. Infocus is not liable for any credit services provided by either entity. Information published on this website has been prepared for general information purposes only and not as specific advice to any particular person. Any advice is General Advice and does not take into account any person’s particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.

© 2021 by SMI Financial Solutions Pty Ltd.

Disclaimer: Your full financial situation will need to be reviewed prior to acceptance of any offer or product.