Superannuation & Retirement Strategies

The transition from a working life to one of retirement can be extremely stressful. Complex law makes it hard for a person to understand the choices available.

What makes up retirement pay?

It can include:

• Accumulated holiday pay
• Accumulated long service leave
• Invalidity payment
• Bona fide redundancy payment
• Superannuation.

What is the tax treatment of each element?

Should you take the cash or roll over?

What does roll over mean?

Duncan will work with each client and develop a flexible financial plan, unique to each client, to establish an income stream in retirement.

Where appropriate the plan will recommend strategies including:

• Investments outside superannuation
• Superannuation income streams
• Non superannuation income streams
• A combination of all, where appropriate, so as to gain access to the aged pension.

For more information contact us today to make an appointment.