Retirement Planning & Superannuation Advice Geelong

Retire with confidence through personalised retirement planning, superannuation advice and income strategies designed to support the lifestyle you've worked hard to achieve.

Retirement Planning

Retirement planning is about more than simply stopping work. It's about having the confidence to know you'll have the income, investments and financial security to enjoy the lifestyle you've worked hard to achieve.

Whether retirement is approaching or still many years away, planning early gives you greater flexibility and more opportunities to maximise your retirement savings.

One of the first questions we ask is: What does retirement look like for you?

While industry benchmarks can provide a useful guide, every retirement is different. Some clients simply want financial security, while others are planning extensive travel, supporting family or pursuing new opportunities.
At Barwon Financial Planning, our advisers will work with you to put a plan in place to help you live the life you want in retirement.

Retirement Planning Services

  • Transitioning To Retirement

    Approaching retirement but not ready to stop working? Maybe you are considering semi-retirement but not sure if you can afford to do so?

    Once you have reached your preservation age, using a transition to retirement strategy allows you to draw down a pension from your superannuation savings while you are still working. 

    This may allow you to ease your way into retirement or boost your super savings in the last few years before you fully retire.

  • Superannuation

    Superannuation is often one of your most valuable financial assets and plays a central role in funding your retirement.  It is also one of the most tax effective ways of investing, which means it can provide a benefit now as well as in the future.

    Most Australians will not accumulate enough superannuation during their working life to provide them with a comfortable retirement if they rely solely on the Government’s compulsory superannuation contributions, currently 9.5%.

    There are a number of things to consider when it comes to your superannuation, including:

    • Am I in the right super fund for me?

    • Is my investment strategy appropriate?

    • Should I be making extra contributions and what is the best type of contribution for my financial situation?

    • How much do I need to put away to achieve my retirement objective?

    • When can I access my superannuation and what are my options when I get to retirement?

    Barwon Financial Planning can help you understand and take control of your superannuation to assist in achieving your retirement goals.

  • SMSF Investment Advice

    A self managed super fund (SMSF) can let you take control of your retirement savings.  It may offer you greater control and flexibility when it comes to choosing investments, investment strategy and your investment mix. 

    SMSF can be cost effective for investors with higher account balances and may also be a great enhancement for business owners.

    However, unlike industry/retail super funds, being a trustee of a SMSF comes with additional obligations and responsibilities.  Being a trustee and understanding these duties can help you establish, manage, grow and protect your financial future.

    Barwon Financial Planning can provide advice on the types of investments held within your SMSF (self-managed super fund), the asset allocation and investment strategy to maximise your retirement savings.

  • Downsizer Contributions

    One of the strategies we consider for clients nearing retirement who are perhaps wanting to move into a smaller home is the Downsizer Contribution. This allows individuals and their partners aged 55 and over to contribute up to $300,000 each from the sale of their family home into their superannuation fund.

    Read Our Guide To Downsizer Contributions

  • Annuities

    An annuity can provide a guaranteed income for your retirement, whether for a fixed term or for life.  It provides you peace of mind that you will receive fixed income no matter what happens.

Contact Us

Ready To Ready To Plan For Retirement?

Whether retirement is still years away or just around the corner, our experienced Geelong financial advisers can help you develop a personalised strategy for your next stage of life.

Book a consultation with Barwon Financial Planning today.