Let US help
Retirement planning
Knowing there is a professional managing your finances makes a huge difference to your stress, giving you more time to enjoy your life now, and into the future.
As retirement advice specialists, we have the experience, expertise and tools to help steer your retirement in a direction you are comfortable with.
We have researched five key insights and developed strategies to help our clients be prepared and we would be happy to discuss them with you in more depth:
Retirement is no time to go on automatic pilot
Superannuation is a political football, no wonder they keep moving the goal posts
To live comfortably in retirement, you may need LESS than you think
You might retire sooner than you think
Your retirement savings may have to work longer than you do
Are you interested in an smsf?
Many Australians have sought the benefits of a self-managed superannuation fund (SMSF), but it is not for everyone. Complex legislation and legal structures need to be adhered to. While there are many benefits to an SMSF, it is very administration-heavy. We can explain it in more detail and help you understand if this would be an appropriate strategy for you and if so, we can help you set it up and manage it professionally.
Over time we have built up enough knowledge to fill a book, so we’ve written one!
To get a FREE copy of How to Retire Successfully, follow this link or contact us today.
Retirement advice specialists
Retirement Lifestyle
Retirement is not just about having enough money to maintain your lifestyle, it is about considering life after work.
When you no longer do the 9-5 you have more time on your hands. Our Clients tell us that when they feel confident they have a retirement plan in place they enjoy a more active social life and time with friends and family.
RI Advice Group has a relationship with Probus, an association for active members of the community, and for those no longer working full time. If you are looking for more to do in your retirement, Probus might be for you.
Friendship, Fellowship and Fun in retirement, join a social club with other retirees to enjoy social interaction and activities in your local community.
Strive to advance your intellectual and cultural interests through regular opportunities to exercise the mind, maintain a healthy body through social activities, expand interest levels and enjoy the fellowship of new friends.
A range of benefits and discounts, including international and domestic travel, daytrip excursions, luncheons, discounts on professional services and opportunities to meet new friends.
To find out more about the benefits of being a Probus Club member visit the Probus website today.
probus club membership
aged care
Aged care is an emotional area of advice. We would all like to live long, healthy lives and pass away peacefully in our home but often life takes a different direction and moving into an aged care facility becomes the only practical option. Being aware of all the options and knowing whether or not you can afford it is overwhelming, so we are here to help.
your options
Remaining in the family home under a Home Care package which provides assistance from support services.
Moving into a retirement village with other over-55’s and maintaining independence in a safe environment.
Transitioning to an aged care facility with expert care on hand at all times. Aged care facilities differ depending on the type of care you need, and the additional facilities you would like in your new living environment.
your Considerations
How to pay for the accommodation.
Whether you need to sell the family home.
If the home falls under a ‘protected person’ agreement.
Whether any benefits or entitlements affect the amount you will be paying.
Whether you will be able to access income to pay for ongoing expenses, including medical.
If you are living in an aged care facility you will need to consider how you will cover the cost of entry (through a refundable accommodation deposit or a daily accommodation payment) and the ongoing costs which include a means tested fee and a standard daily care payment.
Affording aged care comes down to an income and asset test, the rules of which change frequently. We can help you understand the costs, options for payment, and adapting as your circumstances and legislation changes.
Have this conversation with us as early as possible and involve your family. This brings you peace of mind that your future will be one you can look forward to enjoying, knowing you will be cared for during your time of need.
We are here to support you, with questions or planning assistance.
