Retire Early
Everybody wants to retire as comfortably as possible.
It is never too early to start planning your retirement. For younger clients, retirement might be a little in the background, as we assist you with more immediate aims such as buying a home, paying off debt, managing your career and raising a family. But the fact that there are more pressing aims does not mean that retirement should be ignored completely, and we can show you how to manage your affairs so that what you do today also benefits you when you retire.
For clients closer to retirement age, we help you decide when and how to start to make the transition from working life to retirement. For some people this transition is a gradual process. For others it is more sudden. Either way, we help you ensure that you make the transition as comfortably and successfully as possible.
This can include things like planning for the potential use of Centrelink and other Government benefits.
For clients who have already retired, our aim is simple: to help you make sure your money lasts as long as you need it to. This means ensuring that you have invested your super in the right place and that you are managing the costs of your investments – including tax – as efficiently as possible.
Once again, we also ensure that your financial planning makes best use of Centrelink and any other government benefits to which you may be entitled
Allan Moore
Retirement Specialist
Allan specialises in maximising the chance you can achieve your lifestyle goals. If you have a complex financial problem the goal is to help you understand the alternatives, build your own personal strategy, and take action.
Allan started life with a Bachelor of Business and completed a traineeship opening Sanctuary Cove, QLD – including opening one of Australia’s first boutique brewery’s in 1986. He also worked for Ansett Airlines organising Superannuation choice for staff, and it included exposure to Treasury.
With extensive business experience and a practical commercially minded approach Allan enjoys working with: Business owners; Ladies - who look after their own finances, and those of their extended family; People who have come into old and new wealth; Entrepreneurs and Artists.
You expect a trusted adviser to excel in advice on structures and investments, in addition Allan has the industry leading property specialist software and also has his own small charity. Putting money where he believes it can make a great difference. It is this wide knowledge, based on experience that allows him to listen and assist you – in ways you might not have thought of.
Personally he surfs every weekend with his 4 children and friends, enjoys ballet with wife and daughter and soccer with his sons.
“Wealth is the ability to fully experience life”
Allan Moore is an authorised representative (239448) of Adsum Capital Pty Ltd (AFSL 518931).
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Relevant Articles
Can You Really Coast to Retirement?
Coast FIRE (Financial Independence, Retire Early) promises a tempting middle path between grinding until 65 and retiring at 40. Save hard early, let compounding do the heavy lifting, then ease into part-time work or a less demanding career without adding another dollar to your retirement savings. In Australia, the idea works a little differently because superannuation sits at the centre of the plan. Here is how the maths works, where super fits in, and the risks that the online calculators tend to gloss over.
What Happens to Your Super as You Approach Retirement?
Reaching preservation age doesn't hand retirees a single obvious next step, it hands them a decision. Should you convert your balance into a regular income stream, ease into retirement with a Transition to Retirement strategy, take a lump sum, or simply leave the money where it is? Each path carries its own tax treatment, its own trade-offs, and its own effect on your Age Pension eligibility down the track. This article walks through the four main options, plus a handful of lesser-known strategies most retirees never hear about, so you can work out which combination fits your circumstances.
Discovering Your Retirement Personality
New research from Challenger's Institute for Lifetime Income and Susan Bell Research has identified four distinct ways Australians experience retirement, and the findings challenge a common assumption. It is not simply the size of your superannuation balance that shapes your post-work lifestyle. It is your mindset. Whether you fall into the Carefree, Content, Cautious or Concerned camp can say more about how confidently you spend, save and enjoy your retirement years than your account balance alone.
Are You Contributing Enough to Super for a Comfortable Retirement?
Most working Australians assume their employer’s compulsory super contributions will be enough to fund a comfortable retirement, but the numbers tell a different story. With ASFA now putting the comfortable retirement benchmark at $630,000 for singles and $730,000 for couples, this guide breaks down the age-based savings milestones you should be tracking against, why the 12% Super Guarantee alone may leave a shortfall, and the tax-effective strategies, from salary sacrificing to carry-forward contributions, that can help close the gap before you stop working.