Retirement | | 2 min read
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Retirement is one of life’s most significant milestones. It brings you the time to enjoy the freedom you’ve worked hard for, but it also comes with a unique set of financial questions. 

How can you make your super last? What role will the Age Pension play in your income? And how do you balance enjoying today with planning for the years ahead?

Luckily, you don’t have to work any of this out on your own. With the right advice, you can make these types of financial decisions with confidence, knowing your affairs are set up to support the lifestyle you want.

Different types of financial advice for retirees

Financial advice isn’t one-size-fits-all. Equip Super provides a range of advice offerings specifically designed around retirees’ needs.

The strategies that work when you’re building wealth in your 30s, 40s and 50s aren’t the same ones you’ll need once you’ve finished full-time work. This is where we can help. 

Equip Super financial planners are highly experienced in providing financial advice for retirees and pensioners. All designed for this stage of your life, not the last one. 

The different advice offerings include:

  • Super advice: general advice related to superannuation.
  • Comprehensive advice: tailored advice specific to your financial situation.
  • Aged care advice: guidance on aged care services and how you can fund them.
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The biggest financial worries for Australian retirees

Every retirement journey is different, but these concerns come up time and again for those navigating life after work.

Outliving your savings

With Australians living longer than ever, it’s natural to worry your money might run out. Our financial planners can create a sustainable income strategy, so your savings keep working for you. 

Rising healthcare costs

Medical expenses often increase with age. We’ll help you factor in future costs, explore insurance options, and plan for aged care if needed. 

The impact of inflation

Prices don’t stand still, and over time, inflation can eat away at your retirement income. Financial tips for seniors can often include diversifying investments. We’ll help you find the right investment strategy so it aligns with your goals and risk appetite.

Market ups and downs

When markets move, it’s easy to feel unsettled. Our planners can help set up an  investment mix aligned to your goals and risk appetite, and be there to guide you through volatility without panic.

Estate planning and legacy

Thinking about what you’ll leave behind is an important part of retirement planning. We’ll work with you and legal professionals to create a clear plan for your estate, helping to protect your legacy and look after the people who matter most.

Understanding what gives you piece of mind

Retirement isn’t just about money; it’s about living well. By factoring hobbies, travel, or community activities into your plan, we can help you stay connected, active and supported. 

Making housing decisions

Whether you’re downsizing, considering a retirement village, or staying put, the financial implications matter. Our planners can support you and your family as you step you through the decision making process.

Staying tax-efficient

Smart tax planning helps preserve your wealth. We’ll structure your income and withdrawals to be tax-effective.

Frequently asked questions

At Equip Super, your first meeting with a financial advisor comes at no extra cost. Head over to our get advice page and see how the Equip Super process works.

No matter the life stage you’re in, professional advice can help you make the most of your super and government entitlements while planning for the future.

A financial advisor can help with all aspects of money management. A retirement advisor specialises in income streams, pensions, and strategies for life after work.

Issued by Togethr Trustees Pty Ltd ABN 64 006 964 049, AFSL 246383 ("Togethr"), the Trustee of Equipsuper ABN 33 813 823 017 ("Equip Super"). The information contained is general advice and information only and does not take into account your personal financial situation or needs. You should consider whether this information is appropriate to your personal circumstances before acting on it and, if necessary, you should seek professional financial advice. Where tax information is included, you should consider obtaining taxation advice. Before making a decision to invest in Equip Super, you should read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the product which are available at equipsuper.com.au. Financial advice may be provided to members by Togethr Financial Planning Pty Ltd (ABN 84 124 491 078 AFSL 455010) – a related entity of Togethr. Past performance is not a reliable indicator of future performance.

© 2023—2025 Togethr Trustees Pty Ltd ABN 64 006 964 049 AFSL 246383 — *Past performance is not an indication of future performance.
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