Retirement Planning

Couple contemplating retirementLifestyle Choices:
You've worked hard to pay off your mortgage and now that the debt may be small or even no more you may find that your money now takes on a different priority; building for your retirement! However you picture your retirement to be, common choices at this stage in life are to see your money accumulate and grow in order to make your dreams a reality.

Strategy Choices:
The best way to realise your choices is to maximise your savings and investments.
Strategies to consider are:

     Retirement income stream strategies
     Maximising investments
     Salary sacrificing to super / super splitting
     Pre-retirement plan (what do I need / want in retirement)
     Wealth accumulation (gearing strategies)
     Risk insurance (eg. Life insurance, income protection and trauma)

Our Solutions

At various times in your life, changing circumstances will affect your financial situation. At such times, appropriate advice is important, such as at the following times:

  • Approaching retirement
  • Staring a Business
  • Making a Career Move
  • Going from 2 Incomes to 1
  • Having a child
  • Wanting to buy your first home
  • About to enter the workforce
  • Recipient of an inheritance or a windfall
  • Separation or divorce
C J D'Cruz Pty Ltd trading as Personal Wealth Group
is an Authorised Representative of AMP Financial Planning Pty Limited
ABN 89 051 208 327 AFS Licence No. 232706