Pre – retirees
Your children are grown up and have most likely started their own lives and families, and retirement is looking closer than ever!”
This leaves you with time to focus on the things you may have delayed or put off because of family commitments.
Empty nesters, are you covered?
Your debt may be decreasing but you may still have some financial commitments. So it’s important to consider how your family would cope if something unexpected happened and you were unable to work.
Would you have to delay retirement, or would your spouse have to stay in work or give it up to take care of you?
Your insurance is your safety net. It’s there supporting you every day of the year and comes into its own if you become ill or seriously injured. So it’s important to make sure it’s always kept up to date – as your circumstances change, so too should your insurance.
Most funding for retirement is done from age 50 onwards, when you need the capacity to invest for your future. The great thing about insurance is it protects you against loss of your income both before and after you’ve retired.
Preparing for retirement
Retirement is just around the corner. And while many investors in their 40s and 50s are planning for 20 years in retirement, there’s a good chance their retirement will last 30 years or longer.
The risk of not having enough savings at retirement is one of the key challenges for retirees. So it makes sense to make sure your current plan is right for you, and will provide you with enough money to live comfortably for the rest of your life.
Each person’s idea of a comfortable retirement is different and it’s difficult to know exactly how much you’ll need to achieve the lifestyle you want. Once you know how much you need to save, you can then plan how you’re going to achieve the retirement you want.
For more information on how acumen advisers can assist you with your financial planning needs please contact acumen advisers or phone 1300 PH ACUMEN (1300-742-286).
What our clients say
I found Greg to be a genuine, honest and helpful professional in resolving my future financial needs.
– Marcia, Blackheath.
Greg is extremely knowledgeable about financial planning and is exceptionally skilled at explaining financial concepts to the layperson. I have recommended Acumen Advisers to friends and colleagues.
– Name withheld, Health Professional, Mosman.
We have been clients of Greg’s for almost 20 years after one of us attended a seminar he gave on Taxation and Superannuation.
Greg has consistently prepared very detailed and appropriate financial plans for us. He has assisted us with legal work required due to our relationship and negotiated both sudden changes due to physical failings, and the vagaries of Centrelink (for this we are greatly appreciative). Greg has also given public lectures for our small community group, Friends of Auburn Library Services (FOALS).
However, the best advice Greg gave us was to travel (which we wanted to do) early, rather than wait until later, when we may not be able to physically. This has changed our lives, we have completed 7 cruises and 2 non-cruise holidays based on this advice, and his careful management of our financial situation.
We have no hesitation in recommending Greg as a Financial Adviser and as a friend.
– Hazel Labka, Retired Nurse Manager & Dr. Deborah Neyle, Retired University Lecturer, Auburn.
I have been a client of Acumen Advisers since 1997. Greg has the ability to explain financial concepts with exceptional clarity. I value the understanding he brings to my finances and his desire to ensure that the advice he provides is entirely appropriate to my circumstances.
– N. P-L, Retired Medical Professional, Woolwich.
Before I met with Greg I thought I was “too small” a client and wasn’t really sure whether a Financial Adviser could help me. However, I found him to be very honest and open and good to work with. His advice has suited my circumstances and I recommend him to my family and friends.
– A. Amor, Single Parent, Melbourne.
It was a pleasure to work with Greg Lucas of Acumen Advisers, firstly in a professional capacity through his workshop for members of our community on financial aspects in the transition to retirement, and secondly on my personal financial planning needs and aspirations.
Having heard somewhat negative comments about financial planners in the past, I had never approached anyone before, and I was somewhat nervous. But Greg’s professional approach left me with no concerns. He is not only well qualified and experienced, I also found his approach to be well considered and thoroughly professional. He answered all my questions with no hesitation, and went out of his way to find the best approach to financial and estate planning that fitted for me at this stage in my life. I certainly had no knowledge of some of the options he presented that were available to me.
It is a pleasure to work with Greg, and I am glad that I have his support and expertise to help guide my own transition to life after work (dare I say it – life in my older age).
– Peta Williams, Community Sector Manager, Musician & Composer, Springwood.
For anyone looking to retire or just worried about their future finances, I can highly recommend a chat Greg at Acumen Advisers. With friendly and clear advice they were efficient and so helpful, taking away any stress. Their follow-up gave me also, a great sense of a job well done.
– Jules Francois, Artist, Summer Hill.
I have been working with Greg Lucas for over 10 years. I highly value his advice and make sure to consult him before any major financial decisions. I am always impressed with his insight and perspective. His strategies are sound and give me confidence I am making good decisions. He also often thinks outside the square and suggests alternatives I would not have considered. I have no hesitation in saying that my financial position is significantly better as a result of Greg’s advice.
– K.Sykes, Marketing Consultant, Lane Cove