Easing Into Retirement
“Timely planning is the key to enjoying life in retirement.”
Imagine a lifestyle where you don’t have to clock into work every day, can do whatever you want with your time, and still receive a paycheck.
Easing Into Retirement
Retirement should be one of the most exciting times of your life: a time when you get to fulfil all the ambitions your busy working life kept getting in the way of.
You might plan to see more of the world or spend more time with your family. Perhaps you want to volunteer for the community or learn a new language. Whatever your retirement goals are, Armstrong Financial Planning can work with you to give you the best chance of doing exactly what you’ve always wanted to.
Why It’s Never Too Late For Advice
Armstrong Financial Planning can help you plan for retirement, no matter when you decide to stop work.
While there’s no substitute for early advice when it comes to planning a successful retirement, it’s never too late to get the advice you need.
In fact, there are some real benefits to getting financial advice just before you plan to leave the workforce.
For instance, with the help from Armstrong Financial Planning you’ll be well placed to set realistic and achievable goals to help you live the retirement you want.
We’ll also be able to help you predict what kind of income you’ll need and how close to achieving that income you are.
Armstrong Financial Planning can also help you add protection to your investments, which means you’ll have confidence of achieving your goals no matter what happens to markets.
So even if you’re close to retirement, you’ll always have options available to you when working with Armstrong Financial Planning to make the most of your situation.
You Have Choices
You might decide to work a little longer than you’d originally planned. That way you can delay reducing your super and maximise your earnings.
You could be eligible to take advantage of co-contribution laws and salary sacrificing arrangements that boost your super earnings and reduce your tax burden.
You may be able to take out a transition to retirement pension (TRP) to supplement a reduced income.
If you can wait until you turn 60 before drawing on your super when all benefits become tax free, you might be able to make the most of the tax advantage super offers.
We can help you work out an effective retirement strategy no matter whether you plan to stop working tomorrow or in 10 years.
Government Benefits are a complicated area but can form an important safety net in retirement & enhance your cashflow. Armstrong Financial can assist in this process of planning, applying & monitoring benefits through your retirement years.
This includes Monetary & Health Benefits.
"David is professional and has a easy method of explaining complex matters. We trust David 100%."
John & Rita
"We have been with David for many years looking after our investments and has always been there when we needed him. Would have no hesitation in recommending David."
Jim & Annette
"Usual common sense approach by David. Very honest and supportive. Happy to recommend"
"Mr Armstrong has the ability to impart his knowledge which is easy to understand. He is patient and explains financial information which is easily understood. He is professional and business like in his approach when dealing with clients."
John & Maria Gandey
"Known David Armstrong for many years now and he has always done his best for our needs and lifestyle. "
Palom and Rod
"Always is professional and provides information and investment that suit my needs ."
"David has provided advice for me with regard to Super, Insurance and Investments. His experience and professionalism provide me with a great deal of comfort. He has always been available when i have needed him and I have always felt that he has my best interest in mind with all advice he presents. He is not the kind of advisor who will make you feel pressured to take up something that you are uncomfortable with, but rather he takes the time to make sure you understand and are comfortable with his recommendations. I have no hesitation is recommending David and his team to my Family and Friends."
"David is very clear and knowledgeable with his information."
"David has always been very professional in assessing our needs and the way forward. We feel very comfortable in trusting his advice and assessment of strategies for our future retirement We would have no hesitation and referring David to others for their financial planning needs."
Les & Jacqui Martin
"I feel very comfortable with David managing my funds and advising me about various issues to do with my retirement fund."
"David has managed my retirement fund successfully for 16 years ; I couldn't be happier with the result today and would recommend him to everyone."
"It is important to gain the right advice for tax effective strategies and investments. David has been very helpful and personable in his approach."
"I have been with David since he first started in his capacity as an NAB financial advisor and would not hesitate to recommend him to any of my friends who wanted someone reliable to manage their retirement funds."
John & Shirley
"David has provided me with excellent service for more than 12 years; both pre and post retirement."
"We are very fortunate to have David Armstrong looking after our Super."
Edward & Thelma
"Extremely professional and knowledgeable in all aspects of his advice and guidance. "
Ray & Carolyne Mulholland
"David is always very helpful, explains situations clearly and usually helps me to feel positive about my investment strategy. Giving me his undivided attention for the duration of the visit is always a plus."