Retirement Planning
We help you take the guesswork out of retirement planning, so you can stop worrying about the future and start looking forward to it.
Whether retirement is just around the corner or still years away, it’s never too early (or too late) to create a clear, personalised plan. The experienced team at FMS Group works with individuals and couples across the Central Coast and Sydney’s North Shore to help them retire with confidence.
What is Retirement Planning, and Why Does It Matter?
Retirement planning is about more than just super. It’s about understanding what you want retirement to look like, and then building a strategy to help you afford it.
We’ll help you answer big questions like:
- How much do I need to retire comfortably in Australia?
- When can I realistically afford to stop working?
- Will my superannuation be enough?
- What other income options should I consider?
- How can I make the most of my money between now and then?
- What role do Centrelink, investments, or downsizing play in my plan?
Our Retirement Planning Services
No two retirement journeys look the same. That’s why we offer tailored advice and support based on your current position, lifestyle goals, and financial priorities.
We can help you with:
- Retirement goal setting and lifestyle planning
- Superannuation review and contribution strategies
- Tax-effective retirement planning
- Transition to retirement (TTR) strategies
- Pension commencement and income stream planning
- Investment portfolio structuring
- Centrelink and Age Pension eligibility advice
- Estate planning considerations and referrals
- Risk management and insurance review
How FMS Group Makes It Easier
Our role is to simplify the complex and help you feel in control of your retirement plan. We explain things in plain English, show you your options, and guide you step-by-step.
We also work closely with our in-house accounting, lending, and estate planning teams to provide holistic advice that looks at your full financial picture, not just one piece of it.
When Should You Start Planning for Retirement?
The earlier you start, the more options you’ll have – but even if retirement is only a few years away, it’s not too late to make a difference.
Whether you’re actively preparing for retirement, considering reducing your work hours, or just want to know you’re on the right path, we’re here to help.
Let’s Build a Retirement Plan That Works for You
Your retirement should be something you look forward to, not worry about. Let’s start building a retirement strategy that fits your life.