Retirement Planning

Although retirement is something many of us look forward to, planning and preparing for it can be stressful and uncertain. As retirement nears you begin to think about the lifestyle you would like and how you will provide for it.

At Brashlee we understand the complexities and strategies that can help you to grow your nest egg in an efficient and tax effective way, and then work out how to structure your wealth to provide a lasting income to support your retirement lifestyle.

Developing a retirement roadmap will ensure you have an investment strategy that meets your needs, utilises the fantastic government incentives such as transition-to-retirement rules, maximises social security entitlements and minimises risks along the way.

Superannuation

As retirement nears, your Super comes more into focus. Depending on when you plan to retire, at age 50, 55 or 60 you may start thinking about putting extra money into super, maximising your investments, balancing risk and return, and looking at your wealth protection needs, and with the numerous choices from Industry Funds through to Self Managed Superannuation Funds we will help develop a strategy to have you on your way to a stress free retirement.

And as you think about winding down from the workforce, we will work with you to reduce the risk your super investments may be exposed to and protect the wealth you've worked hard to build. For many, easing into part-time work and taking advantage of the government's transition-to-retirement rules is the natural way to move into the next stage of life. Whatever your plans, maximising your retirement savings is essential, and the way you structure your finances can have a direct impact on how much you end up with down the track.

Brashlee Business Group will help you work out the most effective way to make the most of your years in the workforce and draw an income from your Super in retirement.

Wealth Creation & Investment Solutions

When first entering the workforce, saving for retirement may not be something on your mind. It's common to aim for more short- or medium-term goals like overseas travel, a new car, a deposit for a home or an investment in the stock market.

Building wealth also encompasses long-term strategies to help you make the most of your finances and the time you have in the workforce. We can work with you to look at all aspects of your lifestyle, your goals and your needs and develop strategies to optimise your earning potential.

Your wealth creation strategy could involve setting clear short, medium and long-term goals, putting together an easy-to-follow budget, directing any surplus funds to an investment portfolio, utilising tactics to minimise tax, manage your debt and putting strategies in place to protect yourself and your family.

Lifestyle & Asset Protection

When planning your financial future to retirement and beyond, it’s also important to look at how to minimize the risks. The consequences of not being able to work for six months, a year or more due to illness or injury can devastate your lifestyle and plans, and those of your family.

Have you considered what would happen to your family if the main breadwinner suffered a major medical condition or passed away? While nothing compensates for the loss, it's easy to protect yourself and your family from the financial impact of the unexpected.

There are a number of different types of cover to suit your needs including Term Life, Total and Permanent Disability, Trauma, and Income Protection. At Brashlee Business Group we have access to multiple insurers, and will help devise an insurance structure for you that is cost and tax effective, and make sure you and your family, and all that you've worked for are safe.

Financial Education & Coaching

At Brashlee we also provide education and coaching in relation to Money concepts such as budgeting, debt reduction and understanding Centrelink entitlements.

A key focus of ours is offering clients a number of different levels of ongoing service, coaching and advice. Remember Financial Planning is a series of good decisions over time to help achieve your goals. Developing a plan is the first step of the journey, however with the rapidly changing environments we live in, and important life events that occur, revisiting the plan and responding appropriately will lead to success.