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Get started with a free strategy consultation and receive a copy of the Good Fortune Guide – written by James McFall, Managing Director Yield FP and 2020 National Finalist Certified Financial Planner of the Year to help educate you on your Financial Plan.

    What areas of financial planning are you looking for advice on?

Book a FREE consultation
and receive your complimentary eBook

Get started with a free strategy consultation and receive a copy of the Good Fortune Guide – written by James McFall, Managing Director Yield FP and 2020 National Finalist Certified Financial Planner of the Year to help educate you on your Financial Plan.

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How Retirement Planning Advice Will Help You

Retirement planning advice is an evaluation of the way you want to live your life when you retire, accompanied by strategic retirement strategies to grow and protect your wealth. It will help you:

  1. Identify the lump sum you need – To achieve the income you desire
  2. Plan for major expenses you want – Like car upgrades and travel
  3. Rearrange your finances to be tax effective – Ideally so you pay no tax in retirement
  4. Maximise Age Pension entitlements – So you minimise what you need to draw from your own money
  5. Plan your legacy – So you have a clear estate plan

Speak to a trusted retirement planning advice specialist now.

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Managing Risk In Retirement

The Strategies That Work

You’ve worked hard to build your retirement nest egg and now it is important that you protect it. Retirement planning advice, will consider a broad range of risk management strategies and here are three we will always implement:

  1. Asset allocation – diversifying investments to reduce volatility and maximise return, considerate of your risk profile and income needs.
  2. Investment structures – putting your money into structures that give you flexibility and keep your tax bill down.
  3. Longevity planning – optimising income and lump sum draw down, to give you income security throughout your entire life.

Retirement is about you enjoying yourself and retirement planning advice will help you do this securely.

 

Retirement Planning Advice Explained

Develop Your Plan For Retirement

Following Yield's Proven Steps

Define what you value and want to achieve most in life and build your plan around this

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Structure your assets to maximise your Centrelink entitlement

Structure your assets so you pay little or no tax throughout your retirement

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Optimise Estate outcomes for your loved ones

Clearly define where your income will be drawn from

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Invest well to maximise longevity of your funds

Invest within your risk profile and avoid emotional decision making

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Regularly review your position, as retirement management is not set and forget

talk to a retirement planning advice specialist

Achieve the peace of mind you deserve

How we approach advice for your retirement is more than just numbers on a page for us. We listen and will take the time to get to know you. To find out what is important to you and the retirement lifestyle you would like to have.

We then apply our specialist retirement planning knowledge and strategies to demonstrate how to structure your affairs to achieve – Investment income and growth; Eligible Centrelink benefits; Low risk; Low tax; Longevity of your funds; and great estate planning outcomes for your loved ones.

Retirement lifestyle
Retirement Investment Strategies

Building Your Retirement
Investment portfolio

A cornerstone of retirement planning advice is portfolio construction. Yield’s financial advisors will help you select a mix of investments that makes your money work for you, while ensuring access to low risk funds for your expenses. Investments solutions we will consider include:

  1. Retirement Income Products – Allocated pensions; Annuities; TTR; Innovative Retirement Income Streams (IRIS); SMSF
  2. Managed Investments – Managed funds; ETF’s; Managed accounts; Index funds; Listed Investment Companies (LIC’s)
  3. Direct Investments – Property; Shares; Bonds; Exclusive offers
  4. Ethical Investing – Environmental and Social Governance

The best laid retirement plan, includes an investment portfolio that meets your short, medium and long term objectives. Retirement planning advice ensures it will be regularly reviewed and keep up with your changing needs.

 

Achieve Your Retirement Success

With Personalised Retirement Planning Advice

Good Fortune Needs GREAT Planning

Let Us Help You

At Yield Financial Planning, our team of 15 are retirement experts. Retirement planning advice is our passion, and with our help we will devise a plan for your retirement that makes sense for you.

Our financial advisors will help you identify what you can afford, so you can spend confidently, right from the start of your retirement. So many retirees are not confident to do this, for fear of running out, but quality retirement planning advice includes detailed cashflow modelling that factors in everything from investment returns, age pension, tax payable and expected draw down over time.

With Yield’s retirement planning advice, you can feel confident that your transition to retirement is well taken care of, so you can focus on living the life you love.

 

Retirement planning checklist with Yield Financial Planning
Testimonials

What Our Clients Say

We have entrusted our wealth creation and future security with Yield Financial Planning for a number of years now. They truly are professionals who have stayed ahead of the game by making strategic decisions at the right time and have always given sound advice. Security for our future is in great hands. Thanks Yield Financial Planning!!!

Yield Financial Planning has provided us with professional expert sound advice. It is always a pleasure to deal James and his team who always have our best interests at heart and has set up a sound plan for retirement. James and his team have provided first rate advice and funds management. I have confidence in James’s competence and integrity.

Yield Financial Planning have been excellent in their advice and investment strategies being a pleasure to work with over many years. Their strategies and constant portfolio reviews making changes when needed have guided us right through from our working days, the GFC and now retirement. We hold Yield as being an invaluable necessity.

Just the excellent service we receive and doesn’t matter how many questions we have; the staff are happy to oblige. They follow things through and let us think about important and critical matters methodically with a helping hand along the way. So overall the Journey is pleasant, professional and comprehensive yet it is explained to you what could help you or your needs.

I’ve been with Yield for more than 10 years and I’ve found the advice invaluable in helping to navigate life’s twists and turns. Highly recommended 5 Stars!

I would like to congratulate Yield Financial Planning, for their high quality of care, expertise and knowledge they have provided in ensuring my future growth is heading in the right direction. These qualities have reflected both in results and the ongoing follow up as an existing client, which I find reassuring.

Have been with Yield for a few years as my financial planners, and was very pleased when they announced their Mortgage Brokering Services – their Broker had great communication, and at no time was I unsure of where we were in the process. Being my Financial Planner, I was much more comfortable knowing they had my interests at the forefront of all negotiations – rather than getting a mortgage broker off the street who is probably aligned with a bank. From a more financial perspective, Yield saved us over $5000 per year through reduced interest payments alone – I highly recommend looking into Yield Financial

Penny O’Grady & Trevor Shevchenko
Renae Chapman & Tim Walsh
Kevin & Anne Kennelly
Ken & Frances Moore
Tim Prosser
Angela Henwood
Wade Lamberth & Narges Bayat
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Retirement Planning Checklist

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Early Retirement Planning Guide

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16 Nov, 2023

A Guide to Making Super Contributions

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13 Jul, 2023

What is the Retirement Age in Australia?

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01 Jul, 2021

Innovative Retirement Income Streams

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Frequently Asked Questions

When will the old age pension stop in Australia?

Currently, there is no indication that the old age pension will stop in Australia, which provides crucial support to around 70% of retirees.

 

In the government’s 2020 Retirement Income Review, they re-affirmed the effectiveness, stability, and sustainability of Australia’s retirement income system, including the Age Pension.

When can I retire in Australia?

You can retire in Australia whenever you want, depending on your personal circumstances and when you feel financially ready.

It’s important to consider key factors such as; what you want to do in retirement; your financial position, income goals and how long you need your money to last; your super contributions and when you can access them; and your Age Pension eligibility. By taking all these factors into account, you can make an informed decision about when to retire in a worry-free way.

What age can you retire in Australia?

There is no set retirement age in Australia, but in general, most Australians retire somewhere between 60, when they can access their superannuation, and the Age Pension age of 67, when they may receive government support if eligible.

However, the decision to retire depends on your individual circumstances, financial readiness, and personal preferences.

When can I apply for the Age Pension?

You can apply for the Age Pension when you reach the Age Pension age, which is currently 67 years old. You can submit your claim for the Age Pension in the 13 weeks before you reach the qualifying age for the pension.

Meanwhile, the Age Pension age may vary depending on your date of birth and other factors. It’s essential to check the government’s guidelines or seek advice from a financial advisor to determine your eligibility and the appropriate time to apply for the Age Pension.

What is a retirement plan?

A retirement plan is a roadmap for your financial future beyond your working years. It will outline how you save, invest, and manage your money to ensure a comfortable retirement. But more than just numbers, it’s about reflecting your dreams and goals, ensuring that your future is shaped by what truly matters to you.

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Free Consultation
Cover page of the Good Fortune Guide

Free Consultation

Get started with a free strategy consultation and receive a copy of the Good Fortune Guide – written by James McFall, Managing Director Yield FP and 2020 National Finalist Certified Financial Planner of the Year to help educate you on your Financial Plan.