Retirement Planning

Comprehensive Planning

Personalized Strategies

Ongoing Support

Peace Of Mind

Planning is bringing the future into the present so that you can do something about it now.

Retirement is a major lifestyle change.

This is a stage in someone’s life where fears come into play because of uncertainties of the future. Most of the people leaving the workforce succumbed to the ‘what if’ syndrome and this is primarily because of a lack of readiness and planning ahead of time.​

The Association of Superannuation Funds of Australia (ASFA) provides an industry retirement standard. This estimates how much money you’ll need, depending on your lifestyle.

A single homeowner aged 65 and in relatively good health will need $600.05 a week in retirement to live a modest life and $947.56 a week for a comfortable lifestyle.

ASFA estimates that the lump sum needed at retirement to support a comfortable lifestyle is $690.000 for a couple and $595,000 for a single person. This assumes a partial Age Pension. (SOURCE: ASFA, DECEMBER QUARTER 2022)

We will help you find the magic number you need to retire comfortably.

Retirement planning is a strategy designed for people who are nearing retirement. We suggest you start planning sooner rather than later but no later than 10yrs out from your planned retirement date. We will consider various financial aspects like your Superannuation, current savings, investments, and inheritance to come up with a practicable game plan.

Identifying your future needs and current income will play a vital role in managing a workable retirement plan. If you think you will have a shortfall in retirement, we can strategize to boost your superannuation, delay retirement, adjust your spending habits, sell other assets, or adjust your retirement lifestyle expectations.

Why Choose Us?

Decades of Expertise

With years of experience in financial planning, we bring deep knowledge and industry insights to your retirement planning.

Personalized Service

We understand that every client is unique, and we tailor our strategies to fit your specific needs and goals.

Transparency

We believe in clear communication and honesty, ensuring you understand every step of your retirement plan.

Long-term Relationships

We build lasting relationships with our clients, providing ongoing support and adjustments to your retirement plan.

FAQ

Frequently asked question.

When should I start planning for retirement?

Ideally, you should start planning as soon as possible, but no later than 10 years before your planned retirement date.

How much money do I need to retire comfortably?

According to ASFA, a single person will need approximately $595,000 and a couple will need around $690,000 to support a comfortable lifestyle, assuming a partial Age Pension.

What if I have a shortfall in my retirement savings?

If you have a shortfall, we can strategize to boost your superannuation, delay your retirement, adjust your spending habits, sell other assets, or alter your retirement lifestyle expectations.

How often should I review my retirement plan?

It’s important to review your retirement plan regularly, at least annually, or whenever there are significant changes in your life or the economic environment.

Can I access my investment portfolio online?

Yes, we provide 24/7 online access to your investment portfolio, allowing you to view your investments, access research information, and print a wide range of reports whenever you choose.

"I first met Roger while collaborating on securing a commercial property. Over time, we developed a strong professional relationship, and I have entrusted him with many of my clients. As a seasoned financial planner with decades of experience, Roger’s expertise and transparency have made him an invaluable resource for me. I highly recommend him!"

Scott O’Neill

"Roger, Averylle and the team at Aspiram were fantastic to deal with, very professional and knowledgeable, I would recommend anybody looking to discuss their financial needs in regard to transition to retirement, super and insurances to contact the team."

Andrew Carter

"Roger Sousa has been our financial advisor for many years now. Roger and his team at Aspiram Financial Services are very professional, knowledgeable, trustworthy, caring and friendly. Roger's advice is always well received, and we know we can look forward to reaching our financial goals with confidence. Thank you Roger and Team!"

Sylvia B