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Pre-Retirees
Definition:
Our Pre- Retiree group of clients are aged 50-65 and are contemplating retiring within five years. They are not certain about how to best prepare their finances to achieve the lifestyle they want in retirement. Typically, their financial situation is strong and is a testament to their positive and aspirational behaviour. On occasion, these clients have found themselves dealing with uncertainty as a result of an unexpected change in their finances either through inheritance or a windfall.
If this is you, this is how we can help
We help our Pre-Retiree clients to clearly identify the lifestyle they want after they leave work and to prepare their finances to get them on the right track for retirement.
During an initial consultation, at our cost, we will agree upon the key issues that you feel may need attention in your finances. We then ask questions about all aspects of your financial life, including your short, medium and long term goals. We will help you understand the appropriate investment for your personality (i.e. high risk, low risk or a mix of both). Combining knowledge of your situation and our experience, we can give you an on the spot assessment about opportunities to improve your circumstances.
What outcomes might be expected?
Once you have asked us to move forward and provide formal advice to improve your circumstances, we will give you written recommendations that meet your identified objectives. Our Pre-Retiree clients who have been through this process say they have a clear understanding of what needs to be done to be able to retire when they want. At the end of the process, these clients have typically commenced a salary sacrifice arrangement, may have utilised a Transition to Retirement strategy, have adequate reserves, and have diversified investment portfolios that match their risk profile to maximise their financial security in preparation for their impending retirement. These clients are confident that when the date of their partial or full retirement arrives, they know what income they will be able to draw, they know what lifestyle they will be enjoying, and they know how long their funds will last.
See some examples of the clients we currently help within this client group
Important Information
Advice Evolution Pty Ltd is responsible for financial planning advice provided by Grant Simpson as an Authorised Representative. Please refer to the Financial Services Guide (FSG) for the scope of Grant's authority under Advice Evolution. Advice Evolution Pty Ltd is not affiliated with nor does it endorse other business activities conducted by its advisers.