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PhoneIcon 02 4267 3100 (Thirroul)
EmailIcon planning@ksap.com.au

Pre-Retirees (age 50-65)

You are: Kids are out of the nest, with the mortgage under control. You are thinking about the big picture and the run-into retiring.

Typical Concerns and Risks:

  • When can I afford to retire, and will my retirement be forced or on my terms
  • Repaying the rest of your debts
  • Moving to downsize house to a more suitable home
  • Minimising tax now that salaries are their highest. Reducing CGT
  • Am I using surplus cash flows efficiently
  • Is my super and investments set up in the best manner and giving me adequate returns
  • Will my partner be financially ok if I suffered a disability, illness or died? This is the time you are most likely to have one of these occur
  • Is my estate planning set up correctly?

Areas to Advise you in:

  • Tax minimisation and salary packaging
  • Super contributions
  • Wealth Creation and Retirement planning
  • Personal insurances (Life, TPD, Trauma and Income Protection). Will your family be ok if something unplanned happened to you?
  • Reallocating assets as defensive assets become more important
  • Investing, both outside and inside super, including Self-Managed Super Funds (SMSF)
  • Cash Flow management
  • Extinguishing debts
  • Helping out the kids (financial and baby sitting)