Transition to Retirement
Whether you are looking to ease into retirement by reducing your working hours or preparing your finances for the future, we provide expert guidance and strategies to help you make the most of your retirement years.
About
How does the Transition To Retirement work?
Transition to retirement (TTR) is a strategy designed to help individuals gradually shift from full-time work to retirement while maintaining a stable income. Available to those who have reached their preservation age (currently between 55 and 60), TTR allows you to access a portion of your superannuation while still working. This can be an ideal option for reducing work hours without reducing income. The TTR strategy also includes options such as salary sacrificing into super, which provides potential tax benefits by reducing your taxable income.
In addition, superannuation contributions, particularly spouse contributions, can be split, and transition to retirement pensions can be structured to generate a steady income stream. The goal is to ensure that your super works harder for you as you prepare for retirement. Importantly, TTR strategies must be carefully managed to ensure they fit with your long-term retirement plan and meet regulatory requirements.
Pension
Access a portion of your super while still working, providing income to support reduced work hours or supplement your income as you approach full retirement.
Contribution Strategies
Reducing your taxable income. Contributions splitting allows you to share contributions between you and your spouse.
Superannuation Strategies
Strategic management of your contributions and investments, maximizing tax advantages, and aligning with your retirement goals.
Asset Preferences
Help lower your tax burden, ensuring that your super and other retirement assets grow efficiently as you transition towards full retirement.
Estate Planning
Estate Planning
Estate planning also aims to minimize taxes and protect your assets from potential legal challenges, ensuring a smooth transition for your loved ones.
Estate planning is an essential process designed to manage the distribution of your assets and protect your loved ones.
It goes beyond just writing a will; it includes setting up trusts, establishing powers of attorney, and planning for incapacity, among other legal and financial strategies.
A comprehensive estate plan covers a wide range of aspects, including healthcare directives, managing superannuation (which is not part of your estate), and ensuring that your family is financially supported in the event of your death.
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Frequently asked questions
Find quick answers to common questions about our services, process, and overall dedicated client support team.
How do I know if my super fund is right for me?
How should my investments be structured?
How much personal insurance cover do I need?
How much do I need to retire comfortably?
Do I need an estate plan if I already have a will?
What is a Transition to Retirement strategy and is it right for me?
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