Preparing for the day we no longer choose to work is something we all need to do.  For many of us, the use of superannuation as a vehicle within which to invest is smart due to the tax concessions the superannuation environment provides. When we retire we can commence a pension, drawing on the income and capital from our savings to fund our day-to-day living expenses and other lifestyle costs.

Of course, there are other investment assets that can provide an income in retirement (such as property). Having the right balance of assets is the key.

Common superannuation and retirement questions we advise on are:

• How much money do I need to be comfortable in retirement?
• How much can I put into super each year and what happens if I put in too much?
• Am I contributing enough to super?
• What are the benefits of a self managed super fund?  Should I have one?
• Can I reduce my work hours then access my super?
• How can I be sure my partner/family get my super when I die?

If you find you have these questions, we can help you find the answers.