As retirement starts to approach, it’s important to begin planning so you are financially and emotionally prepared. Starting early can help you ensure that you’re working towards the retirement you want.

At this stage in your life, you will want to maximise the money available to you in retirement and plan for your estate. This to consider:

• When do you want to retire?
• How much income will you need and how will you generate this income?
• Can you live on the Age Pension?
• How long will your savings last?
• Which assets will you leave for your family?

At Acacia FP Pty Ltd we can walk you through all these important factors and remove the worry of having to make these decisions on your own.

Where we can help you	How we can help you
Effectively using your savings and investments	Prepare strategies to efficiently use your savings
Managing your taxes	Strategies to continue growing your super and making it more tax effective
Planning for retirement	Transition to Retirement strategies
Protecting your lifestyle and assets	Wills and Estate Planning strategies
Optimising your superannuation

You must be prepared for the change. You will have extra hours and days to spend on other things other than work. Make plans and prepare yourself for this change. You may like to consider and think about hobbies and pastimes you would like to begin. It's important to stay active as this can help you with your physical and mental wellbeing. Connect with your community and friends who may be going through a similar experience. The whole purpose of retirement, whether you are phasing or jumping straight into it, is to start reaping the benefits of your years of hard work. Remember to enjoy life and have fun taking the first few steps towards your retirement.