A financial plan for retirement

Even if your retirement is still far away, it's a good idea to start planning sooner rather than later so you can set yourself up for a comfortable retirement.

A financial planner can help you set your retirement goals and get your finances in order so you’ll have the freedom to retire how and when you choose. They’ll also provide guidance on your estate planning needs, the aged pension and other government benefits, as well as any market movements that could impact your super and investment strategies.

How a financial plan can help support your retirement

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In your 20s

Organise your super so it can work harder for you over the long term.

A financial planner can help you choose the right investment strategy to give your super the best chance to grow as much as possible.

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In your 30s & 40s

Prepare for career breaks by topping up your super so it doesn’t fall behind.

A financial planner can help you choose a range of super-building strategies – from salary sacrificing to contributing to your partner’s super.

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In your 50s & 60s

Give your investments a boost during your final years of paid work.

A financial planner will explain your financial options as you transition to retirement. They can also show you how to invest the proceeds from selling a property or business.

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Enjoying retirement

Find the best way to access your super and maximise your Centrelink benefits.

A financial planner can help you choose from a range of pension products – and structure your investments so you’ll receive all the benefits you’re entitled to.

Building your retirement plan

Set your goals

Work out your retirement goals to calculate how much you’ll need to save.

A financial planner can help you create a realistic budget and show you strategies for building your savings faster.

Maximise your super

Find tax-effective ways to grow your nest egg while you’re working.

A financial planner can show you tax-effective ways to give your super a boost – while still enjoying your lifestyle today. 

Fund your lifestyle

Create a steady income stream that will last through your retirement.

A financial planner can help you make the most of your super, investments and government entitlements so you can enjoy your golden years. 

Make an estate plan

Take control of how your wealth will be shared when you pass away.

A financial planner can work on your estate plan with your solicitor and accountant, so you can be sure that your assets will be distributed according to your wishes. 

How does financial planning work?

1. Get in touch

Make an appointment to meet with one of our qualified financial planners. Your first meeting is completely obligation-free and will be at a branch or over the phone.

2. Your first meeting

Get to know your planner and discuss your financial situation and goals. They will explain any costs involved in building your financial plan.

3. Building your plan

If you agree, your planner prepares a tailored financial plan, with strategies to help you reach your goals.

4. Implementing your plan

Your planner presents your plan with their recommendations. If you proceed, your planner puts your plan into action.

5. Staying on track

Over time, your circumstances may change so reviewing your plan regularly can help keep it on track. Contact your financial planner to arrange a review.

What does it cost?

Tailored to suit you

Each plan is tailored to suit individual circumstances so costs vary. Your first appointment with a financial planner is obligation-free and your planner will clearly explain the costs involved up front.

Ways you can pay

There are a number of different ways you can pay for your plan - including direct debit via your bank account, by credit card or through your super account. Speak to your planner about how you might use one of these options to pay for your plan.

Ready to talk to someone?

Get in touch today to plan your financial future.

Request an appointment

How much money might I need to retire?

With our handy retirement calculator, you can see how much money you may have when you retire – and how much you may actually need.  

Calculate now

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Things you should know

This web page contains general advice only. It was prepared without taking into account your objectives, financial situation or needs. You should talk to a financial planner before making a financial decision. Commonwealth Financial Planners are representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169, AFSL 231139, a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. While care has been taken in the preparation of this web page, no liability is accepted by Commonwealth Financial Planning, its related entities, agents and employees for any loss arising from reliance on the content.