29+ Years advising Australians
6,000+ Clients across the country
$3.8B Funds under advice
6 Offices nationally
— What it involves
Planning for retirement
is not just about super.
Retirement planning brings together your superannuation, investments, property, debt, Centrelink entitlements, tax position and estate wishes into a single, coherent strategy. The goal is to ensure that when you stop working, your income, lifestyle and wealth hold up for as long as you need them to.
At AGS, retirement planning is built into your broader financial plan from day one. Your adviser, accountant and mortgage broker work together, so your retirement timeline accounts for your mortgage payoff date, your tax position, and your estate plan at the same time.
Whether retirement is 30 years away or 3 years away, the right time to plan is now. The decisions you make in the years before retirement, around contributions, structures, drawdown sequencing and Centrelink, have an outsized impact on the outcome.
— What we cover
Every aspect of
your retirement.
Retirement income projections
We model your income in retirement across super, investments, Age Pension, rental income and any other sources, so you know exactly where you stand.
Transition to retirement (TTR)
If you're approaching retirement, a TTR strategy can reduce your tax and boost your super while you're still working. Timing and structure are critical.
Superannuation contributions strategy
Maximising concessional and non-concessional contributions in the years before retirement can significantly increase your retirement balance, within ATO limits.
Pension commencement & drawdown
How you draw down your super in retirement affects how long your money lasts and how much tax you pay. The order, timing, and mix with other income all matter.
Age Pension & Centrelink planning
Asset and income thresholds affect your Age Pension entitlement. We structure your finances to maximise your entitlement without compromising your overall position.
Estate & beneficiary planning
Who receives your super when you die is not automatic. It requires specific nominations and structures. We ensure your retirement assets pass to the right people, tax-effectively.
— Who this is for
Is retirement planning
right for you?
- You're within 10 years of your target retirement date
- You have accumulated super and investments but no clear plan for drawing them down
- You're concerned about whether you'll have enough to retire comfortably
- You've recently retired or are in the early years of retirement
- You want to understand your Age Pension entitlement and how to maximise it
- You want your retirement plan to account for your tax position, estate and aged care
Ready to plan your retirement?
Book a free initial consultation. We'll assess your situation honestly and show you exactly where you stand.