A couples frustrating journey to find an adviser to help plan their retirement…

I got off the phone the other day with a lovely lady who was frustrated and time was running out…

…retirement edging closer by the day…uncertainty increasing…becoming more difficult by the day to figure out the right course to take…

The frustrating challenge of finding the right adviser to help with retirement planning…

She was 58 and her husband was 63.

They were on their final push towards retirement.

In search of someone who could help them plan their retirement…

To make sure they have sufficient financial resources to fund their lifestyle in retirement…

Make sure they didn’t make any blunders when it mattered most..

A plan to make sure they had everything in place and could transition into retirement full of confidence…

Knowing they wouldn’t run the risk of running out of money.

Like many pre-retirees, this can be one of the most stressful times in their life. Facing the fear of the unknown, not knowing what they are planning for…

After all, you’ve never been through this unique transition before.

You can’t afford to make a wrong move at this critical point in your life…

Knowing this, they were actively on the search for someone to help them plan their retirement.

So they could retire full of confidence knowing that’d be okay…

…you’d think it would be easy, right?

Nope, they were hitting brick wall after brick wall.

Get your PDF copy of ENOUGH? here…

Everytime they thought they had found someone. An adviser would try and convince them they needed a Self Managed Super Fund or they needed to change their investments.

Without understanding their full situation or what they wanted from their retirement.

It’s like putting the cart before the horse…

This is what I call “product flogging”…the said adviser’s sole interest was to line their pockets.

So much so I could hear the frustration in her voice as she was telling me this…

I felt for these guys…all they were looking for was advice that would set them up for a comfortable retirement. They wanted something simple.

It shouldn’t have been this hard.

But, the people they were speaking to only wanted to sell them a product…


I wish I could shake some sense into these advisers because that’s not the way you give advice, with the product at the center of the conversation.

I seriously thought this was behind the profession…but obviously not.

TIP: When speaking with an adviser ask them how they are paid. Ask whether their business gets paid by any products they recommend. If so you’ll know there is a conflict of interest and there may be a risk you may not give advice that is right for you.

It’s not the world I live in, that’s for sure…

In our world, it all starts with conversation about the challenges people are having around planning their retirement…

No discussion on product or investments. You could call me the doctor of retirement planning.

Except it’s FUN…where talking about your future lifestyle, hopes and dreams.

But until we know what you need…how you’re positioned financially…what BLINDPOTS you have there’s no way of knowing what product or investments you will need.

Sure, at some stage there may be financial products or investments you’ll need. You can’t determine what you need until you have your game plan sorted.

BIG Retirement Questions You Need To Answer Now

More often than not there are two challenges we find pre-retirees struggling with:

#1 How much money do I need?

#2 Will I run out of money?

While these are the two biggest challenges facing most pre-retirees. They are struggling to put their own retirement game plan together.

It’s no wonder…it’s tough to zoom out from your personal situation…it’s tough to make sense of all the rules around retirement planning.

You’re in uncharted waters…you’ve never been through this transition before.

It’s like learning to walk again…

A mindset change is required as you edge closer to giving up your regular income from your job.

Don’t leave your retirement planning to chance

If you’d like some help working on your retirement road map, you can request a Retirement Clarity call by emailing me at gdoherty@jigsawprivatewealth.com.au or request a call here:


We’ll discuss your retirement challenges and questions where you’ll gain clarity on your next steps. If requested, we’ll walk you through the three phases we use with clients to build your retirement road map. So you can retire with more confidence and clarity than ever before.

Glenn Doherty – CFP – Retirement Planning Specialist | Retirement Planning Made Simple for Over 55’s powered by Life-Centred Financial Planning

We work with people in Adelaide and around Australia via virtual meetings!

Request a Retirement Clarity Call

An opportunity to talk through some of your challenges and questions you have around your retirement.

Achieve some clarity and maybe a roadmap on how you can achieve a comfortable retirement.

Schedule here

Advice Disclaimer: Any reference in this publication to the provision of advice refers to advice of a generic nature, and should not be taken as product or investment recommendations. Before any action is taken based on the information provided, independent financial advice from a licensed financial adviser should be sought. Financial Freedom Project Pty Ltd ATF GA & DC Doherty Family Trust Trading as Jigsaw Private Wealth is a Corporate Authorised Representative of Exelsuper Advice Pty Ltd. The information contained in this publication is of a factual nature only and is not intended to constitute financial product advice. Information is current as at date of publication. This is an online information blog. It does not imply an offering of securities.

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