Posts by Glenn
Retirement Advice Is About More Than Managing Investments
Harry and Julie had worked hard, saved consistently and built a substantial asset base. But as retirement approached, they still faced the questions many Australians ask: Could they afford to retire? How much could they spend each year? What would happen if markets fell soon after retirement? How should they structure their super and investments?…
Read MoreCan I Afford To Wait?
“How much is enough?” It’s a question many people ask as they approach retirement. They want to know whether they can stop working, maintain a comfortable lifestyle and feel confident their money will last. That’s an important question. But sometimes, there may be another question worth asking: “Can I afford to wait?” I was recently…
Read More20 Common Retirement Mistakes I’ve Seen in More Than 20 Years as a Retirement Planner
After more than two decades of advising individuals and couples, I’ve seen the same retirement mistakes made repeatedly. Some are caused by a lack of knowledge. Others come from procrastination, overconfidence or simply failing to understand how the rules apply to your circumstances. Here are 20 of the most common mistakes. #1 Waiting for the…
Read MoreRetirement Isn’t a Date. It’s a Journey
Retirement planning looks different depending on where you are in the journey. Some people are still years away and trying to understand what decisions they should be making now. Others are approaching retirement and wondering whether they can really afford to stop working. And some have already retired, but are still discovering what this next…
Read MoreThe Cost of Waiting
Australian confidence in their ability to retire comfortably has not improved, according to recent research from Vanguard. That’s understandable. High interest rates, rising living costs, geopolitical uncertainty, market volatility and ongoing legislative changes have made retirement planning feel more complicated than ever. When the information keeps changing, it can be difficult to know what to…
Read MoreThe 5 Biggest Retirement Blind Spots If You’re Five Years From Retirement
Retirement is one of the biggest financial transitions you will ever make. After spending decades earning, saving and investing, you eventually reach the point where the question changes from: “How much can I accumulate?” to: “How do I turn what I have into a reliable income that supports the life I want?” That transition is…
Read MoreWhen’s the party? The retirement windows that close faster than you think
Many people worry about running out of money in retirement. Once you hit your 60s, the accumulation party is over. Your retirement runway shortens, and so do the opportunities to make significant financial improvements. But there are two other components besides money that deplete rapidly: time and health — both essential to enjoying your retirement…
Read MoreI got smoked by a 10-year-old. Here’s the lesson to secure your retirement
Last weekend I walked onto a tennis court (winter pennant tennis comp) feeling pretty good about my chances. Across the net: a short, young kid. I figured it’d be a light hit. Wrong. He was 10, struck the ball clean, served with purpose, and put every short ball away. I played well—he humbled me anyway.…
Read MoreFORO vs FOMO in retirement: which risk really costs more
Australians’ biggest retirement concern is simple: will we have enough to live a dignified, comfortable life? Fair concern. But here’s the twist—once you stop working, a new risk shows up that few plan for: missing out. The hard mindset shift You’ve spent decades saving. Then retirement hits and suddenly you’re told to spend. Your regular…
Read MoreThe Cost of Waiting: Why “Later” Is the Riskiest Retirement Strategy
I was talking with Tony this week. He and his wife want to retire within five years, but they’d been putting off getting help. It had reached the point where doing nothing meant drifting. They were at real risk of not having enough, working longer than needed, and not knowing if they were on track…
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