Retirement Planning is critical to ensure that you live the lifestyle you deserve and have dreamed about all your life once you finally reach retirement . There is nothing worse than trying to wing it and not having a road map; chances are without proper planning you will end being somewhere else.
At Integral Financial Planning we help you determine what type of retirement you would like to live, this begins with when you would like to retire, the type of lifestyle and activities you wish to undertake which will then have an impact on your expenses and ultimately help us identify how much you will have to safe to fund your retirement. From here we examine your current situation, savings, superannuation, debts, age, employment and income. We explore the opportunities you may have available to you and assess the various strategies that may be appropriate to help you realise your retirement dreams. Our strategies are based upon what you are comfortable with. There can be advantages and disadvantages, our job is to make you aware of these so you can make an informed decision with peace of mind.
Our strategies are all detailed in a Financial Plan or otherwise known as a Statement of Advice (SOA). In the Financial Plan we confirm your current personal and financial situation, you short and longer term goals and objectives. We then detail the recommended strategies and reasons why, the risks and returns, specific products and investments, fees and charges, illustrated projections based on the current and the proposed recommendations.
The next step is implementation. Integral Financial Planning will implement the necessary recommendations where possible and guide you through work that you may personally have to undertake. Once the recommendations are in force it’s then important that we continue to monitor the strategies and investments on a regular basis to ensure they remain appropriate for your circumstances. This is critical as things change such as your expenses, income, jobs, legislation, personal health, the economy and investment markets. What we recommend today may no longer be appropriate in 12 months time so to ensure your given the best possible chance of living your retirement dreams we may have to modify and tweak strategies and investments as time progresses. This is no different to when you actually reach retirement and you are living your dream. Reviewing and monitoring is an important part of any financial plan and without it you could easily run of the rails and your retirement dreams may easily be destroyed.
The earlier you start planning for your retirement the better the chance you have of living your dreams. Don’t leave it until it’s too late, take some action today and make contact with us for a complimentary obligation free appointment. We are located on the Gold Coast, Queensland in the popular and friendly Hinterland Village of Mudgeeraba only a couple of minutes from the bustling Robina Town Centre.
Call us today on 07 5559 2250.