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
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.
Exploring Annuities and Your Age Pension Entitlements
While the concept of annuities can sometimes divide opinion among financial professionals, they remain a specific feature of the Australian retirement system intended to alleviate the worry of outliving your savings. Because the government wants to encourage retirees to secure a steady income for life, lifetime annuities receive favourable treatment under both the Age Pension income and assets tests. If you are looking for ways to boost your regular Centrelink payments while creating a reliable income floor for your later years, understanding how these discounted assessments work is a worthwhile step in your retirement planning.
Maximising Australian Age Pension Entitlement
Approaching retirement should feel like a well-earned reward for decades of hard work, rather than a confusing puzzle of rules and thresholds. While the Age Pension provides a financial foundation for a great deal of Australians, securing your maximum entitlement requires more than simply reaching the qualifying age. Because your regular payments are determined by a combination of the Assets Test and the Income Test, the specific ways you choose to structure your wealth can significantly boost your fortnightly income. Whether you are contemplating renovating your family home or thinking about picking up a few seasonal shifts at the local shops, the following article outlines five practical, everyday strategies to help you make the most of your retirement entitlements.