"As in all successful ventures, the foundation of a good retirement is planning." - Source: Earl Nightingale


Getting serious about super

It's your future...

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Australia, we have a problem. As a nation we have a savings gap you’ll need a space ship to get across. 

The gap...

According to Rice Warner’s Retirement Savings Gap Report 2013 produced for the Financial Services Council, the gap was measured as $727 billion at 30 June 2013. (The gap being the difference in likely savings at retirement and savings required to provide 62.5% of pre-retirement income until life expectancy).

Here’s some bad news. If you are earning an average wage and relying only on your employer superannuation contributions, chances are, you will not have accumulated enough to enjoy a comfortable retirement, by the time you’re ready to retire. And with an aging population, there is no guarantee the government pension will be around as we know it today. Worried? You should be.

Are you prepared?

Do you have a plan with a goal to have sufficient funds in retirement to live the lifestyle to which you have become accustomed? Or, are you like most other Australians who are just crossing their fingers and hoping it will all be OK?

Hope is not a strategy, but there are things you can do and getting financial advice should be top of your list.

Planning starts now...

At Western Financial our Financial Planners have an in depth knowledge of superannuation (it helps to be part of a subsidiary with a super fund). They know that investing for the long term in a tax effective environment can build substantial wealth for your retirement years and a Financial Planner can help you to take full advantage of this with strategies including:
► Projecting your likely retirement savings
► Forecasting what you will need in retirement to maintain your current lifestyle
► Reducing tax
► Investment strategies
► Retirement planning including Transition to retirement (TTR)
► Getting more from your salary or bonus to boost your retirement savings
► Redundancy advice
► Government co-contribution
► Boosting your spouse’s super and reducing your tax