Please note that this section of the website is in the process of being developed – Thank you for your patience.

Retirment Planning

Retirement should be a vibrant stage of our lives where new found freedom allows us to enjoy life to the fullest. Research suggests that the majority of retirees will face uncertainty, fear and loss of purpose when they retire.

The majority of retirees are ill prepared for this new phase in their lives. Today men and women are living longer and retirement means living potentially another 30 years or more.

Typically people focus on the financial aspects of their retirement. Perhaps what is more important are:

  • Health;
  • Purpose;
  • Family;
  • Relationships;
  • Social;
  • Spritual;
  • Hobbies, interests and creativity; and
  • Intelectual growth and learning.

Be prepared and ask yourself “What is a successful retirement to me?” What are your lifestyle priorities and interests?

Retirement Income

Retirement spending patterns will change over your retirement and depend on the income you have available, for example , when a retiree has:

  • no other assets, annual spending will equal the age pension;
  • Assets below asset limit threshold annual income is the age pension plus income funded from private assets;
  • Assets above asset limit threshold annual income funded from private assets less the loss on age pension due to the assets test; or
  • Assets above the maximum asset threshold limit annual income funded from thsoe assets.

Retirement spending over retirement will change due to uncertainty of investment returns, changes in the age pension and life expectancy.

(Please note that this website is best viewed using the Mozilla Firefox web browser. If you do not have Mozilla installed on your computer, you may download a free version from the Mozilla Firefox website.)

FPAustralia Pty Ltd ABN: 79 130 091 315 AR: 323595
P.O. Box 5754, Stafford Heights, QLD 4053
Phone: (07) 3102 5470  Fax: (07) 3236 5150    Email: 
Corporate Authorised Representative of Spectrum Wealth Advisers Pty Ltd
ABN:57 134 661 706 AFSL: 334400

COPYRIGHT 2016 FPAustralia Pty Ltd