The earlier you begin retirement planning, the more options and flexibility you’re likely to have.

Ideally, structured retirement planning should begin at least 5–10 years before you intend to retire. This allows time to adjust your superannuation strategy, review your investment allocation, optimise tax structures and test different retirement income scenarios.

However, it’s never too late. Even if you’re already retired, reviewing your income structure and investment approach can help improve sustainability and provide greater peace of mind.