YBR

Living your dreams

Your plans for retirement are as individual as you are. When some people transition into retirement they intend to travel the world exploring undiscovered treasures, while others dream of spending quality time reliving their childhood with future generations.

superannuation

Bringing tomorrow’s dreams into today is a challenge that we at Yellow Brick Road take on daily. We have accrued years of expertise in helping people prepare for retirement, crafting incomes for many long, secure and enjoyable post work years. We consider both the ups as well as the down times.

If you are planning for retirement, your adviser can offer solutions to suit your preferred style of investment from set and forget to do it yourself super fund management.

Either way, we deliver care and maintenance of your finances as the years progress for a financially healthy retirement.

Cash in on superannuation benefits

Superannuation is an excellent way of investing long term with great tax benefits. Super is designed to be your primary source of income for your retirement.

Once you reach retirement age or the time you choose to retire things need to be adjusted to replace your salary. Now is the time to make the most of what the laws around super provide.  For most, that means five to ten years before retirement.

Get the best advice on managing your superannuation fund, and immediately before, retirement:

  • Self-managed super funds (SMSFs)
  • Wholesale master trusts
  • Public sector and industry funds
  • Allocated pensions and annuities
  • Altering your investments for delivering income within super

 

By working with your wealth manager as your adviser, you can tailor the right amount of income paid in the right way, pay the right amount of tax and keep your finances secure the easy way.

Keeping it all on track as things change is essential to peace of mind so that you don’t squander your hard earned nest egg.

Planning for retirement

You can save money in the lead-up to retirement and plan how you want to stop working full-time.  Boosting your retirement savings is key.

Depending on what age you want to retire, you can get access to your super while working part-time and set up an income stream from your super savings. Some say it’s the best of both worlds. It could be yours too.

Many people don’t want to give up work completely. Some want to change roles and follow their dreams.

Either way, you will want to access the income from your super.

In your transition to retirement, there are a number of things you can do to prolong how long your nest egg will last. You can also wind down from your full-time work in the lead-up to your retirement.

We can help make it happen.

Protecting your family

While you want to enjoy your retirement, it is also a time to protect your family by making the right preparations for your finances for the unforeseen future. Your adviser can assist with tips on where to invest wisely, setting the balance between growing your income and how much to put into growth are crucial considerations to your secure retirement.

Talk to an adviser to ensure your long term future. This is your last nest egg opportunity. Use it well.

Your will and estate planning

Leave a lasting legacy for your family and ensure you protect yourself and your loved ones by properly attending to your estate and legal matters.

Estate planning involves setting out how you wish to have your assets managed when you can’t manage them yourself. We can assist you to transfer ownership and control of your assets, minimise your taxes and offer legal advice as needed.

Writing your will allows you to choose how you want to leave your belongings and assets after you die. Our advisers can assist with the myriad of decisions for life insurance payouts, unit trusts and company assets, as well as superannuation.

Take the time to nominate your beneficiaries and consider the people you want to manage your assets.