Planning for retirement is about more than just saving; it’s about ensuring you can enjoy the lifestyle you’ve worked hard for. Our retirement planning services focus on creating a sustainable and tax effective income strategy that allows you to enjoy your retirement without financial worry. I offer advice on managing your superannuation, maximising your income streams, and protecting your assets.
Are you on the right track, moving super to pension, making additional contributions, transition to retirement pensions, ongoing review of how changes to the pension caps and rules may affect your retirement plan and more.
Portfolio construction to ensure your pensions and other investments are invested in line with your risk tolerance, income layering strategies for immediate and future income needs, tax advantageous investment strategies now and ongoing as government proposed changes take effect.
Strategies to boost your Age Pension entitlements, help to update your details with Centrelink as necessary, assistance with Age Pension and Commonwealth Seniors Health Card applications and more.
Review to ensure your SMSF is appropriate for your approaching retirement, managing fund cash flow to meet pension minimums, ensuring you have appropriate investments within the fund for your changing circumstances and more.
Paying out remaining debt prior to retirement if appropriate.
Personal insurance advice ensuring cover remains appropriate for your needs or reviewing if insurance is still required.
Tax effective savings plans with potential added estate planning advantages.
Your spending analysed and tailored to meet your goals.
Help with super death benefit nominations, Wills, gifting, reducing death benefit taxes in super, intergenerational wealth transfer and more.
Holmes Financial Planning Pty Ltd is a Corporate Authorised Representative of Personal Financial Services Limited (ABN 26 098 725 145), AFS Licence no. 234459.
The information on this website is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. The information on this website does not constitute financial, investment or taxation advice and should not be relied on as such.
Holmes Financial Planning Pty Ltd is a registered tax (financial) adviser and any reference to tax advice contained in this website is incidental to the general financial advice it may contain. You should seek specialist advice from a tax professional to confirm the impact of this advice on your overall tax position.
Before making any decisions involving financial products or services, you should read the relevant Financial Services Guide (FSG) and any applicable Product Disclosure Statement (PDS) before making any decision. We also recommend that you seek independent professional advice as to the suitability of the products or services which is relevant to your particular financial circumstances.
Brett Holmes is an authorised representative of PFS. Whilst every care has been taken in the preparation of this information, it may not remain current after the date of publication and PFS and its related bodies make no representation as to its accuracy or completeness. Published: October 2024 © Copyright 2024
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