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.
Other FAQs
Teacher home loans are available even if you’re on probation. However, note that you’ll need to meet all other standard lending criteria and have a clear credit history.
When you choose to proceed, you can expect: A structured discovery meeting focused on your goals and retirement lifestyle Detailed modelling to test different income and retirement timing scenarios Clear [...]
If you’re having a hard time saving for your first home, your family can help you with a cash gift to put towards your deposit A gifted deposit home loan [...]
For most lenders a pre-approval is valid for 90 days, but it can often be extended by resupplying your income and expense information to your lender.
We take care to structure applications thoughtfully. Before submitting any formal application, we assess your borrowing capacity and identify lenders whose criteria align with your situation. This helps avoid unnecessary [...]
In most cases, no. Lenders generally offer the same interest rates whether you apply directly or through a broker. Our role is to help you compare options, negotiate where appropriate, [...]
Your Notices of Assessment are in your MyGov inbox: for step-by-step instructions on how to find them, visit the Australian Government ATO site.
Once you’ve paid off the second smaller loan, you can apply to remove the guarantee. This means your guarantor will only be liable for as long as it takes you [...]
The appropriate amount of life insurance depends on your individual circumstances. Factors typically considered include: Outstanding debts (such as a mortgage) Ongoing living expenses Income replacement needs Children’s education costs [...]
Approval timeframes can vary, but many asset and vehicle finance applications can be processed relatively quickly, sometimes within a few days. More complex commercial applications may take longer depending on [...]
Vehicle and asset finance allows you to purchase a car, equipment or other assets while spreading the cost over time. The lender provides the funds upfront, and you repay the [...]
Because Financial Advice is personal and no two situations are the same. Fees vary depending on your goals, financial position and the scope/complexity of advice required. You can see our [...]
If you’re self-employed and want to apply for a home loan, you will need to provide evidence of your business’ financial position. In addition to the regular personal financial information [...]
The tax treatment of premiums depends on the type of cover and how it is structured. For example: Income protection premiums are often tax deductible when held outside superannuation. Life, [...]
Many people accumulate multiple super accounts throughout their working life, which can lead to duplicated fees and unnecessary complexity. Consolidating accounts may reduce fees and simplify management, but it’s important [...]
