Retirement Income
The Hidden Reason Australians Delay Retirement: Permission
From Grind to “Permission”: How a Living Retirement Sketchbook Turned Someday Into Now Meet a couple in their late 50s. Joe had been doing 60–80 hour weeks for years. He loved his work, but it was becoming a grind. He had a solid income and plenty saved. Every winter they’d say, “One day, let’s chase…
Read More7 Retirement Blind Spots Aussies Don’t See Coming
Treating retirement like an investment problem (when it’s really an income problem) You’ve worked hard to build your super, savings, and investments. It’s natural to focus on returns. But most retirees don’t lie awake worrying about “beating the market.” The real question is, “Can I reliably pay myself—month after month—without running out?” When you reframe…
Read MoreWhat You Should Ask Your Adviser About Retirement—Our Transparent Answers to the Top 5
Most people nearing retirement ask one question: “Are we going to be okay?” Not “How do I beat the market?” Just, will the money last, and can I stop working? That’s the conversation we have every week. People want permission and a plan. They want to retire with confidence, spend safely, and enjoy the life…
Read MoreBeat Procrastination and Start Building a Better Retirement Today
You have good intentions when it comes to planning your retirement. You want a comfortable lifestyle without worrying about running out of money. You want European holidays, to hook up the caravan and see the sights of Australia, take up a new hobby, spend time with your grandkids and your own kids, work on your…
Read MoreThe Most Expensive Fear In Retirement Isn’t Market Risk. It’s Waiting
The biggest threat to a great retirement isn’t a bear market, bad timing, or fees. It’s time you don’t use. The price tag is your life. Every month you delay is a month you can’t get back. Not because markets compound, though they do. But because you do. Your energy, your health, your freedom to…
Read MoreScared of Losing Money? The Bigger Risk Is Running Out
The past few weeks have been a brutal reminder of how fast markets can turn. The ASX 200 hit four-month lows, dropping 2.2% in a week as geopolitical tensions and energy prices rattled confidence. If you’re nearing or in retirement, watching your super wobble is unsettling. That knot in your stomach? Normal. The urge to…
Read MoreCompare the Pair… for Retirement: What the Ads Don’t Tell You
If you’ve seen the “Compare the Pair” ads, you’d think choosing a super fund is all about investment performance and feel‑good slogans like “we work for you.” That’s fine in accumulation—when you’re contributing regularly and don’t need much from your fund day‑to‑day. It’s very hands off. When retirement approaches. You can’t be passive anymore. It’s…
Read MoreGive With a Warm Hand: The Most Meaningful Advice I Gave This Week
When most people think retirement planning, they think investments, super, and squeezing out higher returns. But real retirement planning is bigger than a balance sheet or a spreadsheet. It’s about using what you have—safely—to create memories, experiences, and impact while you’re here to enjoy them. This week, I gave a client the most valuable advice…
Read MoreDrifting, Delay, Indecision: The Nine Silent Killers of a Comfortable Retirement
Retirement should feel exciting, not like a maths exam you didn’t study for. If you’re 55+ and wondering, “Have we done enough? Are we missing something obvious?”, you’re not alone. I’ve spent the last 25 years helping Australians map out a simple, confident path to retirement—without second-guessing every decision. Here’s what I’ve learned: you don’t…
Read MoreJohn’s Tired of the Grind—and Scared He Won’t Have Enough. Can He Buy Back Time?
Last week John looked at me and said, “I’m done with the daily grind… but I’m scared to step away.” If that hits close to home, you’re not alone. I hear versions of this every week: “I’ve had enough of the commute and pressure.” “What if the market drops right after I retire?” “Do we…
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