Retirement

Retirement

In Australia the superannuation system has been designed to encourage people to save so they can self-fund their retirements. There are generous tax concessions on offer. It is compulsory for an employer to contribute a percentage of the employee’s salary into their superannuation account superannuation under the compulsory superannuation guarantee scheme. Superannuation pension as "tax-free" money as under current legislation there is no tax to pay for someone over 60 on drawings from the fund nor on any earnings within the pension account. Superannuation is therefore a common retirement planning structure though the bigger picture should also be considered such as what happens to your super when you go and whether you wish for your superannuation to form part of your estate.

We find that when our clients enter the retirement stage of their lives the portfolio construction becomes more focussed on income generation with capital preservation being very important. We acknowledge that with advancements in medical science and knowledge of healthy living that people are living longer than ever before and therefore the need for growth to stay ahead of inflation must also be considered. There is a very real risk of people outliving their money and a common strategy to release further capital to fund retirement is downsizing a family home to something that is more manageable as people get older. At Rolanda Adams Financial Services we have experience in constructing portfolios tailored to your goals.

Our goal is to realise our clients’ dreams of things to carry out that they never had time to do before. The boomers as a generation want to “PLAY”. By this I mean they envisage this stage of their lives to be one where they can consider the alternatives. They may work part time or full time. They may volunteer or become involved with a charitable organisation that has a special meaning to them. Many of the retirees I have seen, health permitting, wish to travel overseas in the initial years and for some the nomadic lifestyle of travelling around this great land holds immense appeal.

The term retirement planning is therefore not about coming up with a plan that assists you to count the hours rather one that helps you to do the things you always wanted though never could find the time.

At Rolanda Adams Financial Services we can help you achieve your goals through planning. We work with retirees to manage their wealth and to make the most of their investments. We assist with asset allocation. We review our retirees’ financial affairs and we are available to discuss options for now and as circumstances change with ageing, the possibility of transition from their family home to retirement accommodation.

Any advice contained in this website is of a general nature only and does not take into account your circumstances or needs. You must decide if this information is suitable to your personal situation or seek advice.

Rolanda has been my financial adviser for 20 years. I have always found her to be highly intelligent, knowledgeable and professional in her career. Rolanda is accessible at all times and patiently explains terms that I do not fully understand. I can highly recommend Rolanda and it is a pleasure to do so. I do this with the utmost confidence. Marcia Montgomery (Retiree – home duties and ex-clerk with Water Board)
I retired Oct 2012, and seeking Financial Advice for my retirement funds, I decided to have Rolanda look after my financial affairs, and so happy I did. Since my retirement I am extremely comfortable with Rolanda’s advice, experience and strategies and the returns on my investments. Rolanda is my "Breath of Fresh Air" at this stage of my life and she makes herself available 24/7 should you need to talk with her. Steve Hoad (Ground Engineer, Qantas)
In 1997 I left Energy Australia and decided to join Rolanda Adams Financial Services for the financial support and advice that I would need into the future. That decision has proved a very good one and I am still with Rolanda who has given me advice and friendship over those many years. The advice given has ensured that my investments have been protected and the major losses, of some, during the GFC was not felt by me unduly. Rolanda and her team are very easy to contact at any time and one is always received in a most professional manner. I would be most happy to recommend Rolanda Adams Financial Services to all who need financial services. Graham Fleeton (Manager, Property Insurance Group Energy Australia (Ausgrid))
Rolanda has been my Adviser for the past 18 years. Through her wide industry experience and professional expertise she has ensured the sound development and ongoing management of my investments. Her advice has invariably been sound, timely and entirely tuned to meet my personal needs in retirement. She has a friendly, engaging manner and is always readily available to address any of my concerns. I have no hesitation in recommending her. Neil O'Keeffe (Chief Inspector (retired), Australian Customs Service)

© 2019 Rolanda Adams Financial Services Pty Ltd. All rights reserved. Site by PlannerWeb.