The three stages of retirement
Retirement is more than a milestone, it’s a journey that can span three decades or more.
1. The golden years
Retirement begins with the golden years. You’re active, you’re independent and you’re ready to enjoy life on your terms. It’s time to turn your hard-earned superannuation and investment into flexible incomes and enjoy the lifestyle you’ve always planned.
What we focus on
- Creating flexible, tax-efficient income streams
- Managing investment drawdowns and sequencing risk
- Supporting lifestyle goals without financial worry
Typical timeframe
- First 10-15 years of retirement
Spending curve
- Higher in early years as lifestyle spending peaks
2. The silver years
Over time, priorities shift. Health, home life, and family support may become more important. This stage is about simplifying and securing finances to maintain independence and create peace of mind.
What we focus on
- Reducing complexity and managing costs
- Planning for future care needs
- Addressing longevity risk with foresight
Typical timeframe
- Mid-to-late retirement
Spending curve
- Often decreased, but planning becomes more critical
3. The legacy years
The later years of retirement are all about meaning. Whether it’s passing on wisdom, supporting children, or giving back, the legacy years are a time to reflect and prepare.
Estate planning becomes essential. We help ensure wealth and values are passed on with clarity and confidence. We walk that path beside you.
What we focus on
- Structuring estates and legal protection
- Aged care funding and healthcare planning
- Supporting gifting and philanthropic goals
Spending curve
- May rise due to care needs and family support