Retirement

What we will review with you

Our discussion starts with your requirements for retirement. These are the key points to bring to your consultation.

• Preferred retirement age

  Discuss when you would like to retire, whether you expect to continue working part-time and the years available to prepare.

• Expected living expenses

  Build a picture of the lifestyle and recurring household expenses you would like your retirement plan to support.

• Existing savings and future income needs

  Bring an overview of your savings, investments and expected pensions or other income to help identify planning needs.

• Healthcare and family commitments

  Include healthcare, dependants and other family responsibilities in your discussion of future expenses.

• Inflation assumptions

  Discuss how changing living costs will be reflected in planning estimates and revisit the assumptions over time.

• Retirement savings contributions

  Review the contributions you can make now and how they may change as your income and commitments evolve.

• Income timing and access to funds

  Discuss when income may be needed, your preferred payout schedule and the flexibility required for unexpected expenses.

• Regular retirement plan reviews

  Revisit your plan as retirement approaches and whenever your goals, resources or family circumstances change.

How to get started

1. Tell us about your goals and the requirements you would like to address.
2. Bring relevant existing policy or investment details to help us understand your current position.
3. Review the available options and their terms with our team before choosing your next steps.