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Retirement Planning | Retirement Financial Advice

Do you have big dreams of retirement, but don’t know how to make them a reality? Getting everything in order in the leadup to retirement can seem overwhelming at first. Carefully planning everything in advance is key, and the right preparation can work wonders in achieving that final goal.

At Aurora Wealth, we are passionate about helping you create the retirement of your dreams. We bring years of experience and dedication, and are always excited to see our clients strive for and reach their goals.

Why choose Aurora Wealth?

We get that retirement planning can sometimes be quite overwhelming. It’s our aim to take the guesswork out of the process, help you set realistic goals and work towards achieving them.

We use technology to assist in delivering our ongoing advice, helping you visualise your financial journey and keeping you on track. We believe this helps to demystify the financial process, allowing you to gain a deeper understanding of your finances and giving you the confidence that you can achieve your dream retirement.

We believe retirement planning is a very personal experience, and there’s no one size fits all solution. Working with a retirement financial advisor such as Aurora Wealth helps you filter out the noise and focus on what works best for you.

Our retirement planning & retirement
financial advice services

We offer a range of retirement planning services to help you take control of your finances and have the retirement you’ve always imagined.

Retirement Planning

Whether retirement is a couple of years away or 20 years away, the sooner you start planning for it, the more likely you will have the retirement you really want.

It is hard to know where to start, but we know, and we can help clear things up and answer questions you may have like:

  • Am I eligible for the Pensioner Concession Card or Low-Income Health Care card, and the discounts they provide?
  • What discounts do I get if I have a Concession Card?
  • What do people do in retirement?
  • What is the best way to fund my retirement income?
  • Can I contribute to superannuation if I downsize my home?
  • Is it ok to work part-time in retirement, and will it affect my age pension?

People are living longer than ever these days. You will likely have to plan for living at least 30 years in retirement. With a problem that big, you will want to make sure you are making an informed decision.
We would love to hear about your plans, and we are excited to come along for the ride as you achieve them.

Superannuation

For most of us, superannuation is something we rarely think about, if at all. We see it on our payslip or get a reminder when the statement turns up. But until retirement gets close, we just ignore it. We figure there is not much we can do about it.

Like all investments though, small changes can make a big difference over your working life.

At some point in time, you may have asked yourself the following:

  • Is my current superannuation right for me?
  • Do I have lost super and how do I find out?
  • Should I consolidate my superannuation into a single account?
  • Is my current superannuation right for me?
  • Am I paying too many fees and are there cheaper alternatives?
  • Will I have enough to retire?
  • Is my superannuation invested correctly to maximise my chances of having enough to retire?
  • What are the tax benefits of contributing to superannuation?
  • Should I be contributing extra to superannuation?
  • Is having insurance in superannuation right for me? What impact will it have on my retirement?
  • Am I eligible to access my superannuation early?
  • What happens to my superannuation when I change employers?
  • How do I setup a self-managed superannuation fund (SMSF) and is it right for me?
  • Can I purchase a property with my superannuation?

While it may not seem like it now, getting your super right is a big deal. Getting it right could mean an early retirement with regular holidays. Getting it wrong could mean working longer and living off the age pension.

Life Insurance

Most of us have some form of life insurance through our superannuation, but not many of us know how much cover we have, whether it’s enough and whether it will even payout when we need it most.

There are a lot of options out there, which can make the decision about which one to choose difficult. Getting the right insurance plan could be the difference between financial hardship or financial freedom.

We will help you consider the following:

  • Do I need life insurance?
  • What is the difference between Life, TPD, Trauma and Income Protection cover?
  • How much cover do I need to ensure my loved ones are taken care of?
  • How do I make sure the payout gets to my loved ones when they need it?
  • Should I pay for my insurance with my superannuation?
  • Will my income protection payout if I have sick leave, or do I have to use it first?
  • Is the life insurance in my super good enough?
  • How often should I review my insurance cover?
  • Why are there so many medical questions, and what are the benefits for me?
  • Can I get insurance if I have pre-existing medical conditions?

Life is unpredictable. Nobody knows what is coming around the corner. Rather than leave it to chance, plan and protect yourself and your family.

Estate Planning

At some point in your life, you have probably thought about getting a will. Life is busy though, and if you are fit and healthy, it is probably not a high priority for you.

There is more to an estate plan than having a will, and we’ll help you understand the following:

  • Do I need a will?
  • Should I update my will, and if so, how often should I do it?
  • Will my superannuation be covered by my will?
  • What assets are covered by my will?
  • Should I nominate a beneficiary on my superannuation?
  • Who can I nominate as a beneficiary on my superannuation?
  • What is a power of attorney and do I need one?
  • What are the potential Centrelink benefits of special disability trusts?

Estate planning is not just for your parents. No one knows when their time will come. Without a plan in place, you are leaving it for someone else to decide how you and your loved ones will be looked after. Start working on your estate plan before someone needs to make those decisions for you.

What to expect at your first appointment

If you’re interested in chatting with the retirement advice and planning team Aurora Wealth, it’s easy to get in touch and to get things in motion.

Firstly, you can either give us a call or book a discovery meeting where we can discuss your current situation and what you want your future to look like. This gives you a chance to meet us, explain what you’d like some help with and learn a little more about Aurora Wealth and how we help our clients achieve their ideal retirement.

From here, we can continue the process by booking in a full-length 1-hour meeting. These meetings are available to anyone Australia-wide and can be conducted either in person at our office in Narre Warren, VIC, or over video platforms such as Zoom or Skype. In this detailed meeting, we’ll dive deeper into your situation and come up with a tailored retirement plan to get you on your way to achieving your goals.

Where to find us

Aurora Wealth are located in Narre Warren, Victoria, just South East of Melbourne’s CBD and right near the beautiful Dandenong Ranges. We are conveniently positioned right by Fountain Gate and are situated within a thriving business hub with plenty of parking nearby.

We service the entire Casey area (stretching all the way to and around Berwick, Lynbrook, Cranbourne, Dandenong, Hallam, Clyde, Keysborough, Doveton and Lysterfield) with face-to-face meetings in either our modern office or your home.

You’re welcome to book a time to meet with us in person at our office on Victor Crescent or your own home, where we will be able to discuss and come up with your individualised retirement financial plan. Simply get in touch or book a discovery meeting and we can work out a time that suits you!

Tailored retirement advice across Australia

Don’t want to come into our office? Whether you live interstate or would simply prefer to have a Zoom call, we are able to meet with you remotely. Our retirement planning services are available to clients from all over Australia, so as long as you have an internet connection, we can meet with you, wherever you are.

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