Retirement means different things to different people. For some, traveling around in Australia in a caravan is a life-long dream but for others flying at the pointy end of the plane and staying in 5-star hotels around the world is more how they see life after work. Or maybe spending more time with the grandkids or volunteering in your local community rate high on your list of retirement goals.

We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important.

Why is retirement planning important?

We are living longer and for most of us compulsory superannuation payments or the Age Pension alone won’t be enough to help us achieve the retirement lifestyle we’re dreaming about.

Putting a long-term financial plan in place will provide you with the comfort of knowing that you can do all those things that you dreamed of and that your financial future is under control.

How we can help

Redpool Group Financial Advisers can help you work out how much money you have now, how much you might have in the future and where it is coming from.

We will help you:

• Identify your retirement goals
• Review your income and cashflow requirements
• Identify what assets (house, savings, investments) you have and how much they are worth
• Assess how much super you have and when you can access it
• Find ways to grow your retirement income
• Put plans in place to make your money last in retirement
• Determine when you can apply for the age pension and whether you are likely to be eligible.
• Review your estate planning

Please contact one of our qualified Financial Advisers at Redpool Group on 02 4605 0350 to discuss your retirement planning needs.

An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family. Despite this Rice Warner Actuaries calculate that over 95 per cent of families do not have adequate insurance.

Having the right insurances in place can help protect your family and your income if the unexpected occurs.

There are different types of cover that fall under the broad heading of life insurance:

• Life cover – also known as term life insurance or death cover, pays a set amount of money when the insured person dies. The money will go to the people you nominate as beneficiaries on your policy.
• Total and permanent disability (TPD) cover – covers the costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. TPD cover is often bundled together with life cover.
• Trauma cover – provides cover if you are diagnosed with a specified illness or injury. These policies include the major illnesses or injuries that will make a significant impact on a person’s life, such as cancer or a stroke. It is also referred to as ‘critical illness’ cover or ‘recovery’ insurance.
• Income protection – replaces the income lost through your inability to work due to injury or sickness.

How we can help

Redpool Group has access to a large range of insurers and we can tailor your wealth protection plan to suit your circumstances. We will make the insurance process as simple as possible and help you get the right cover to protect you and those you love with a financial safety net in the event that the unexpected occurs.

Please call us on 02 4605 0350 to discuss.

I am an owner and Director of Redpool Group with over 12 years’ experience providing financial advice and strategies to a wide range of individuals, families and businesses.

I see myself as a financial teacher and I aim to help my clients make better financial decisions. I help my clients focus on what’s important to them, so they can experience more in life.

By way of education I have a Masters of Financial Planning from the University of Western Sydney, a Bachelor’s Degree in Commerce Majoring in Financial Planning from the University of Wollongong, Specialist Self-Managed Super Fund course through University of Adelaide. I am also a Certified Financial Planner and a Self-managed Super Fund Specialist Adviser.

I am a member of the Financial Planning Association of Australia (FPA), the Self-Managed Superannuation Professionals Association of Australia (SPAA) and a Justice of the Peace. In 2016 I was nominated as a Regional Finalist for Adviser of the Year with the AMP Group.

Outside of work I enjoy spending time with my young family and friends enjoying the fruits of life.