The focus for most business owners is frequently on business goals. Yet most go into business with personal and financial goals such as providing for their families and creating wealth. A key component of succession planning for business owners that is completely overlooked or not attended to correctly is planning for unexpected events such as…

7 Dimensions of Retirement Planning  Retirement planning has been traditionally provided in one dimension with a focus on financial matters only.  Increases in longevity, and ongoing uncertainties about being able to fund your own retirement, require a new way of planning for retirement.  A new multi-dimensional way of planning for retirement is required which not only…

Recent volatility in investment markets associated with the Greek Referendum and decline in the Chinese sharemarket has highlighted the post retirement risks that many people face. To offset the post retirement risks of longevity and inflation, investing in growth assets such as shares and property is required. However, many people are not comfortable investing in growth assets for fear of a downturn…

The popular investment rule of thumb “time in the share market- not trying to time the market” does hold some truth. However, it does not help to alleviate what is called sequencing risk, one of the major post retirement factors that can impact your retirement lifestyle. What is sequencing risk? When you are approaching retirement,…

“What is your exit plan?” is a common question being asked of baby boomer business owners today. Advisers are beginning to realise that very few business owners have any idea of who will take over or buy their business when they decide to retire or if they are forced to sell their business due to illness or injury.  Preparing…

Breakthroughs in medical research and science, such as the bionic heart, are contributing to increased longevity. In my last blog, Are you the average Australian?, one of the major issues in post retirement planning is the longevity. As it is impossible to predict how long you will live with any real certainty, it is therefore impossible to predict how much…

In my recent blog, What is your retirement philosophy, I highlighted that an increase in longevity was one of many issues to be considered in post retirement planning. It was recently announced that Australia was one of the lucky four countries where the average life expectancy was now 80 years (The Risk Australian Retirees Cannot Afford –…

In my recent post, What is your retirement philosophy, I highlighted one of the risks of retirement planning as inflation. In your working or business life, you are able to counteract the impact of inflation through increased wages or increased profits. Once you have retired, you no longer have this protection against inflation. Despite inflation being…

Recently I went to see the Rolling Stone’s in concert. The Rolling Stones put on a great show – demonstrating that age was no barrier. Several years ago it would have been hard to imagine a hard living rock and roll band performing into their 70’s. The Rolling Stones are a good example of how an…

As Australia’s population is ageing, a shift is occurring – planning for your own parent’s later years is becoming an ever-increasing reality. By 2060, a quarter of Australia’s population will be over 65. Source: By 2060, Australia’s population likely to reach 42 million, says Productivity Commission paper. With this growth in the aged population, you may…

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