RETIREMENT PLANNING · BRISBANE
Retirement planning in Brisbane
Willow Wealth Partners helps people approaching retirement and self-funded retirees in Brisbane consider how super, investments and other income can support their plans. We start with your expected spending, goals and circumstances, then explore the decisions that matter before and after you stop work.
Book a complimentary 30 minute meetingA first conversation about your plans. No commitment to receive advice.
How long could your super last?
See how your starting balance, income needs and assumptions could work together in retirement. Change the example figures to explore different scenarios.
A simplified illustration only, not a prediction or personal financial advice. All amounts are Australian dollars. Default figures are examples, not recommended assumptions.
Balance in future dollars, after each year's withdrawal and return. The table below gives the same figures.
View year-by-year figures
| Year / age | Opening balance | Target income | Paid from super | Net return | Closing balance | Shortfall |
|---|
Assumptions and important limitations
Year 1 begins when you start withdrawals. We withdraw the full annual income at the start of each year, limited to the available balance, then apply the annual net return to the remaining balance. From year 2, target income increases with your CPI assumption. Balances and the table are shown in future (nominal) dollars, not today's purchasing power.
Returns and CPI are held constant. Actual markets fluctuate, losses may occur, and the order of returns can materially affect how long savings last. A balance remaining at the end of the selected period does not mean it will last indefinitely.
This model includes no new contributions, Age Pension, other income or assets, minimum pension withdrawal rules, super access rules, transfer balance caps, personal income tax, insurance premiums, one-off expenses or changes in spending. Fees and investment tax are not separately calculated: include their effect in the net return you enter. The target is a withdrawal from super, not a calculated after-tax spending amount.
It does not assess whether a strategy or product is suitable for you. Seek advice about your circumstances before making financial decisions.
WHEREVER YOU ARE IN THE JOURNEY
Plan for the stage you are in.
What would you like retirement to look like? The decisions worth exploring depend on your circumstances and timing. Start with the questions that matter to you now.
01
Planning well ahead
Explore how your saving, super and investment decisions relate to the retirement you have in mind.
02
Getting closer
Before retirement, consider when you may stop work, what you expect to spend and how super, investments and other income may support the transition.
03
Already retired
After retirement, review withdrawals, cash reserves and investments as your spending, goals and circumstances change. Your income plan may need to evolve over time.
THE CONVERSATIONS THAT MATTER
Bring the moving parts together.
Retirement planning connects the choices you make today with the income and flexibility you may need later. We start by understanding what matters to you, then explain where advice may help.
OWN A BUSINESS?
Your business and personal plans may meet here.
We can discuss how timing, succession, super and personal wealth relate to the retirement you are planning for.
01
How much super will you need?
There is no single amount that suits everyone. What you may need depends on your spending, other income and assets, how long retirement lasts, inflation, fees and investment outcomes. We consider these factors together.
02
How do super and investments fit?
Consider your super, investments and cash flow together as your retirement timing and priorities change.
03
How does tax affect retirement planning?
Explore tax-effective strategies where they are relevant to your circumstances and the advice you need.
WHAT HAPPENS NEXT
A clear process, one step at a time.
You will see the proposed services and fees before deciding whether to proceed with advice. Each later step is discussed with you before anything is implemented.
01
Book and prepare
After you book, we send a questionnaire about your financial position, goals, income, assets, expenses and liabilities.
02
Meet and explore
We discuss what you are looking for, review your answers and consider whether financial advice is needed.
03
Review a proposal
We scope the proposed advice and send you the intended services and fees for your consideration.
04
Discuss goals and strategies
If you proceed, a goals and education session lets us talk through detailed strategies.
05
Consider formal advice
At a further meeting, we present and discuss the formal advice and proposed implementation.
06
Decide on implementation
Only after you formally sign off may we begin agreed actions, such as super changes, entity setup or investment account applications.
Implementation begins only after you formally sign off on the advice.
COMMON QUESTIONS
Before you take the next step.
A first conversation helps clarify what you want to work through and whether advice may be useful.
Is it too early to start planning?
Not necessarily. Whether retirement is many years away or close, we can help identify the decisions that matter now and discuss whether advice is appropriate for you.
Can you help if I am already retired?
Yes. We can talk through how your current income, super and investments relate to your goals as your circumstances evolve. Any recommendations depend on your situation and the agreed scope of advice.
Can retirement advice consider tax?
Where relevant, tax-effective strategies may form part of broader financial advice. We can work alongside your accountant; no particular tax saving is promised.
When will I know the cost?
After the first meeting, we scope the proposed advice and send you a proposal describing the intended services and fees. You can review it before deciding whether to proceed.
BEGIN WITH A CONVERSATION
Let’s talk about the retirement you have in mind.
Your complimentary first meeting is a chance to discuss your goals, the questions on your mind and whether advice may help.
Lobby 1, Level 2, 76 Skyring Terrace
Newstead QLD 4006
Willow Wealth Partners Pty Ltd (ABN 57 666 182 556) is a Corporate Authorised Representative of Cobalt Advisers Pty Ltd (ABN 64 628 654 099), Australian Financial Services Licence 512550.
Important Information
Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.
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