Many advisers speak about giving holistic advice. What does that mean?

We start with strategy:

For our clients in their 50’s, they might need to:

• Understand the benefits of a transition to retirement strategy
• Evaluate salary sacrificing
• Determine an investment strategy; and
• Determine realistic retirement goals.

At 60, they may need to:

• Possibly explore withdrawals from super tax-free
• Decide whether there’s a need to be more defensive in investment; and
• Implement a comprehensive estate plan.

At retirement it will be time to:

• Evaluate income needs
• Determine contributions to superannuation of non-super assets
• Eliminate debt
• Understand how long superannuation will last; and
• Possibly more estate planning

Then a need may arise for Aged Care:

• Identifying eligibility for any government benefits