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…

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…

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 –…

My wife often tells me that we have completely different interests and when our children have grown up and left home and we are retired (sometime away) that we will probably go on separate holidays and do different things. Whilst this is a running joke between us, research has shown that women are thriving and…

The average age of divorce is changing and a “steady rise in the divorce rates for the over-55s” has given rise to a new term “grey divorce”. While this news is not all doom and gloom – some finding divorce leads to increased happiness – it does show “ that there are negative financial consequences…

Research has found that approximately 47% of Australian couples and 78% of single Australians will be not be able to fund their retirement (source: “Retirement adequacy – a grim outlook for Australians” Towers Watson). In my recent blog, ” Gould Wins Gold “, one of the roles of a financial adviser was to keep on you on…

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