Retirement planning

Gardening tips to create a retirement oasis

Gardening tips to create a retirement oasis

Whether you have a sprawling backyard or a small patio, you can transform it into a relaxing, tranquil retirement oasis to enjoy for years to come. Keep it simple yet effective with these creative gardening tips to help you cultivate a serene and beautiful space.

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Planning for retirement with an active mortgage

Planning for retirement with an active mortgage

Are you approaching retirement with an active mortgage? It’s time to assess your financial situation. While the right strategy for you will depend on your individual circumstances, here is some general advice for navigating this critical phase.

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Retirement and creating a home sweet home

Retirement and creating a home sweet home

As we plan for retirement, our home becomes a focal point – do we adapt it for our changing needs or make a move? This decision includes social, emotional, physical and financial concerns, all crucial in creating our ideal ‘home sweet home’ for the golden years.

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Seniors and technology - 10 Innovations Shaping the Future of Ageing

Seniors and technology - 10 Innovations Shaping the Future of Ageing

Traditionally, older generations have been labelled as late adopters when it comes to embracing new technology. However, in today’s world, modern seniors are not only embracing technology but also recognising its potential to significantly enhance their lives.

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Turning the pages of retirement - the magic of a good book

Turning the pages of retirement - the magic of a good book

Not all retirement adventures happen on cruise ships. Some of the most imaginative, life-changing journeys happen while turning pages. Retirement is the perfect time to catch up on a good book or two. Or an entire library.

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Adventure activities for active retirees

Adventure activities for active retirees

Retirement isn’t just an end. It’s a beginning. While many dream of travel, some crave more than seeing serene beaches and historic landmarks. Good news – there are plenty of adventure activities out there for active retirees

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Understanding the emotional side of finances in retirement and the psychology of money

Understanding the emotional side of finances in retirement and the psychology of money

In retirement, will you savour life’s opportunities, travel and cherish moments with loved ones without regrets? Or will you meticulously safeguard every dollar for enduring financial security? It all boils down to the psychology of money.

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What are the secrets to early retirement?

What are the secrets to early retirement?

Retirement is a highly personal milestone, and everyone envisions it differently. Regardless of your plans, the key question is… when? If you’re considering retiring before 67, you might be curious about the secrets to early retirement.

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Travel insurance for seniors is your passport to peace of mind

Travel insurance for seniors is your passport to peace of mind

Close your eyes and picture your retirement dreams: from gondolas in Venice to Bali’s waves and beautiful Viennese symphonies. If travel is in your vision, let’s discuss why it’s so crucial to protect your adventures with travel insurance for seniors.

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Retirement spotlight: teed up for success on and off the course

Retirement spotlight: teed up for success on and off the course

Just as a golfer has a strategy for each round, retirement requires financial readiness to embrace its possibilities. We shine the spotlight on our client Dick Kirby, who was ready and able to give back to golf for over 40 years, culminating in a well-deserved OAM award.

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Navigating the transition to retirement income

Navigating the transition to retirement income

Preparing for retirement involves mastering the nuances of a different financial landscape. It’s not an all-or-nothing endeavour. You can ease into it with a transition to retirement (TTR) income stream.

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Plans for retirement? Living the dream

Plans for retirement? Living the dream

If you’ve made careful financial preparations, your plans for retirement can simply be ‘living the dream’. Here is the story of Jan and Mark, who lived life in the fast lane before retirement and show no signs of slowing down five years after calling time on their careers.

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Thinking about downsizing before retirement?

Thinking about downsizing before retirement?

If you have calculated the exact amount needed for your retirement but are unsure about how to achieve that goal, have you thought about downsizing before retirement? There is a lot of power in downsizing.

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Practical tips for boosting savings in tougher economic times

Practical tips for boosting savings in tougher economic times

Learning to save is a fundamental skill required for building a strong financial future. During times of economic uncertainty, like the present, having savings is even more important. If you’re ready to get started, here are some practical tips for boosting savings.

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Thriving in retirement: a journey of continuous learning and giving back

Thriving in retirement: a journey of continuous learning and giving back

With careful financial planning, retirement presents an exciting chapter filled with newfound freedom and limitless opportunities. For people like Val Little, the very definition of thriving in retirement lies in continuous learning and service to others.

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Retirement travel destinations, New Zealand - here are the top five places to visit

Retirement travel destinations, New Zealand - here are the top five places to visit

When it comes to retirement travel destinations, New Zealand is a popular option. And it’s not just because they are our neighbours across the pond. Here are the five top places to visit in New Zealand.

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Do retirees pay capital gains tax in Australia?

Do retirees pay capital gains tax in Australia?

When it comes to retirees and capital gains tax, there’s a lot to consider. But don’t let concerns about capital gains tax spoil the serenity of your golden years.

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Caravanning in Australia after retirement - the best spots, dos and don’ts

Caravanning in Australia after retirement - the best spots, dos and don’ts

Up for an adventure post-retirement? It’s time to hit the road. If caravanning in Australia after retirement sounds like a great way to wind down after a long and demanding career, then read on.

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The superannuation downsizing limit has changed: what you should know

The superannuation downsizing limit has changed: what you should know

The change in superannuation downsizing limit is a key driver in helping older Aussies to boost their income in retirement. Here’s how the lower age limit can benefit your retirement.

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Gifting assets during retirement

Gifting assets during retirement

You’ve made it to retirement, you are probably more financially secure than ever and you’re feeling generous. But there are some considerations to make before gifting assets during retirement.

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Dealing with aged care needs as a retiree

Dealing with aged care needs as a retiree

Aged care is a hot topic for retirees with many couples not following the same timeline when it comes to requiring aged care assistance. Often, one person will require aged care support before the other, making aged care an important consideration for retirees.

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Investment property rent and retirement

Investment property rent and retirement

Wondering if your investment property rent will be enough to hold you up in retirement? We discuss investment property rent and retirement outcomes in this comprehensive article.

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Property investment for retirement

Property investment for retirement

Investing in property to help fund your retirement can be a solid strategy, but investing is all about balancing the possible risks and perceived benefits. Find out if property investment for retirement is right for you.

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A spotlight on retirement costs

A spotlight on retirement costs

Every quarter, the Association of Superannuation Funds of Australia (ASFA) releases an update to their Retirement Standard. First produced back in 2004, the Standard provides crucial information about Australian retirement costs.

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The true value of grandparents

The true value of grandparents

Grandparents hold a vital role within the family dynamic. If you are a Pop or a Nanna who enjoys a loving bond with your grandchild, you already know how special that is… but today we want to highlight the true value of grandparents.

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Transition to retirement strategy

Transition to retirement strategy

Did you know that you can access some of your super before you actually retire? The Transition to Retirement (TtR) strategy is designed to provide you the benefit of a partial pension payment to supplement a reduction in working hours.

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FIRE: Financial independence retire early

FIRE: Financial independence retire early

FIRE stands for ‘Financial Independence Retire Early’ and at its core it focuses on saving and investing as much money as you can while you are young so that you can retire far earlier than normal.

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Have a happy and healthy retirement

Have a happy and healthy retirement

It might sound crazy… but money isn’t everything. Yes, it’s important to be financially secure, but for you to have a happy and healthy retirement there are many other factors that you need to consider.

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Best places to retire in Australia in 2022

Best places to retire in Australia in 2022

If you are planning to retire in the coming year, you might already be knee-deep in details and logistics… but we’ve put together a list of some of the best places to retire in Australia. Here are some ideas of locations you could consider.

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Managing cash flow in retirement

Managing cash flow in retirement

Everyone has different dreams for their retirement but regardless of what your retirement looks like, there’s always a need for financial stability. We consider cash flow in retirement and look at steps you can take to help minimise financial stress.

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Retirement dreams and the global pandemic

Retirement dreams and the global pandemic

During these challenging times, the pandemic has not only shaken societal norms but has also made some Australians rethink their plans for retirement. But here at First Financial, our clients have been able to maintain a positive outlook.

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Carer benefits

Carer benefits

Carers play a vital role in our society. They provide essential care for people with a disability or mental illness, with debilitating medical conditions or who are elderly and need additional support in their day to day lives.

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Understanding tax in retirement

Understanding tax in retirement

When it comes time to retire, you want the transition to be smooth and stress-free. It’s important to arm yourself with some knowledge of how taxation works within retirement and how different income streams are taxed.

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Retirement planning - considerations when you’ve lost a job after 60

Retirement planning - considerations when you’ve lost a job after 60

There is never a good time – or age – to be out of work. But for those over 60, it can feel particularly painful. If you have lost a job or been made redundant, the hardest part is knowing what to do next.

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Reducing your retirement income

Reducing your retirement income

We discuss whether implementing the new reduced minimum for your pension payment is a viable option for this financial year. Reducing your retirement income is an important decision that can impact your lifestyle, so we have outlined some of the points to consider.

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Happiness in retirement

Happiness in retirement

Happiness… the state of being happy, cheerful, contented. Enjoying a pleasurable or satisfying experience. It is definitely something that we all strive for – to be happy. And when we reach our retirement, we really want to make sure that we achieve it!

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Is travelling one of your retirement goals?

Is travelling one of your retirement goals?

Have you imagined a retirement filled with amazing, exotic locations or the endless summer? Travel is always on the top of our clients’ retirement goals list… so in this article we explore a range of travel options.

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John’s rock and roll retirement

John’s rock and roll retirement

John Leahey’s passion for music has filled his life. From a child who watched his father entertain friends, through his university band years and now still gigging in retirement, soulful melodies have always been his soundtrack.

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Embracing retirement alone

Embracing retirement alone

While many of us expect to enter our retirement as part of a couple, there are also many people who find themselves newly single at this point in their lives.

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SoKo Designs… crafting the ideal retirement

SoKo Designs… crafting the ideal retirement

Shirley O’Connor and her daughter Kathleen O’Connor-Lee started SoKo Designs over a decade ago. The bespoke baby linen venture has grown from its humble beginnings to have a dedicated regular client base and provide an extra source of income.

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Learn something new with U3A

Learn something new with U3A

Retirement is the perfect time to start something new. You’ve worked hard for many years building your wealth and creating the foundations for a strong financial future… so it’s time to do the things you’ve always been interested in.

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A closer look at the Age Pension

A closer look at the Age Pension

Recent Age Pension changes, made by the government, have presented new possibilities to many older Australians. We have seen the media focus on cuts to deeming rates which offer a potential increase to payments and greater eligibility.

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Retirement income streams

Retirement income streams

When preparing for retirement, the most important question you need to ask yourself is, ‘How much income will I need?’ It is vital that you have a clear understanding about your income requirements so that you can live the life you want when you are no longer working.

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Stay well at home

Stay well at home

We help our clients live the life they want into their retirement. And when the time comes to change living arrangements, our team is also able to assist with aged care advisory services.

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Karen and Gary’s trip of a lifetime

Karen and Gary’s trip of a lifetime

Karen and Gary’s shared love of animals is the daily inspiration behind their dream retirement. Having just returned from the trip of lifetime to South America, they are living the wonderfully busy retired life they started planning twenty years ago.

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Your Financial Adviser’s Estate Planning Checklist

Your Financial Adviser’s Estate Planning Checklist

For most of us, discussing our own inevitable demise is not the most comfortable conversation. But making time to plan your estate and keep it updated can provide both you and your loved ones with precious peace of mind.

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Retire Life Ready

Retire Life Ready

Retirement is a brand new chapter in your life. For many of us, it’s the opportunity to do all the things we didn’t have time for when we were busy building a career and raising a family.

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Finding your Village

Finding your Village

A retirement village provides this for seniors who are able to live independently but with the added reassurance of access to emergency health services and the security of an on-site manager nearby. Read more here.

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Budget Tips in Retirement

Budget Tips in Retirement

We all know retirement is coming, so it makes sense to be prepared. And once you are in control of your finances you’ll feel more secure about your future and what you spend. In this blog we’ve put together some money tips to help with budgeting and cash-flow in retirement.

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Aged Care Tips

Aged Care Tips

In this blog we’ve outlined some key tips to help with the challenging decisions around aged care. First and foremost remember you don’t have to do this on your own. An aged care specialist adviser will work with you to make sure you get the best living solution for your particular circumstances.

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Getting the Most out of Retirement Living

Getting the Most out of Retirement Living

We all want our retirement years to be fulfilling and stress-free. But if you’re having to count the pennies every week, those years begin to feel very different. A retirement plan will help alleviate that worry.

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How to Achieve a Healthy Retirement Income

How to Achieve a Healthy Retirement Income

We all want a happy, stress-free retirement. Ensuring you have sufficient income is fundamental to delivering that goal. But working out whether or not you have enough to last you the rest of your life can often be confusing and stressful.

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Understanding Transition to Retirement Income Streams

Understanding Transition to Retirement Income Streams

A transition to retirement income stream helps ease you into retirement with more time to do the things you love while still earning an income. It’s critical that a TTR pension is part of your overall retirement strategy.

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A Guide to Account-based Pensions

A Guide to Account-based Pensions

Choosing what to do with your accumulated superannuation is a core part of retirement planning. Getting reliable and trustworthy advice is vital. In this blog we take a look at an investment vehicle which is geared towards giving retirees a flexible, tax-free income stream.

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What are the Best Investments for Retirees?

What are the Best Investments for Retirees?

It’s a simple question. But with a market choice of over 5,000 managed investments and around 2,200 stocks, the answer is most definitely not. Which is why working with a financial adviser is the best decision you can make.

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How much do you need to retire?

How much do you need to retire?

If you want to provide an income in retirement that grows each year, lasts your lifetime and then leaves a little something to the kids, you need to be thinking 20 times what you spend in a year.

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Four Corners – Retirement Villages and Residential Aged Care

Four Corners – Retirement Villages and Residential Aged Care

There are now a number of ‘dual’ facilities on the market where they offer you a Retirement Village unit initially, and as your level of care increases you move into Residential Aged Care – all within the one facility.

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Aged Care Services

Aged Care Services

Aged care is rapidly moving to a ‘user pays’ system, with government policy to keep everyone in their own home for as long as possible to reduce the burden of residential aged care due to increasing pressure on the budget.

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Using an Annuity to Maximise Your Age Pension Entitlements

Using an Annuity to Maximise Your Age Pension Entitlements

From 1 January 2017, government changes to the age pension are likely to reduce many age pension recipients’ entitlements.

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Property A Pathway to Retirement?

Property A Pathway to Retirement?

An astounding number of Aussies are moving away from relying on traditional means of funding their retirement in favour of establishing property portfolios.

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A Home Among The Gumtrees

A Home Among The Gumtrees

Aussies are an adventurous lot. With more retirees choosing to jetset and enjoy their wealth rather than immediately settle, we also put a great emphasis on where we call home at the end of the day.

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If you want to retire life ready