When can I afford to retire?

“When can I afford to retire?” or “How long will my money last?”

The answer isn’t just about reaching a certain number in your super account. The right time to retire depends on your income needs, your lifestyle goals, your assets and debts, and how long you want your money to support you and your loved ones.

That’s why we help clients approaching retirement take a structured approach.

We start by understanding where you’re at; including your current income, your superannuation balance and other investments, your living costs, and when you want to stop work, either fully or partially.

From there, we model what your financial future could look like across a range of retirement ages. You will see how long your money might last, what income you could draw, and whether you are on track. We will also explore how different strategies can improve your outcome.

Some of the most valuable strategies we use include:

• Contributing more to super in the lead-up to retirement
• Using carry-forward rules to reduce tax and boost super
• Starting an account-based pension at the right time
• Restructuring super to reduce tax on death benefits
• Optimising Centrelink payments
• Timing asset sales to manage capital gains tax
• Reviewing or consolidating your super funds
• Rebalancing your investment portfolio
• Exploring downsizer contributions or debt repayment strategies

Retirement planning isn’t just about numbers, it’s about making informed decisions that give you clarify, confidence, and direction.

So, if you’re unsure whether you’re on track, and want to retire with clarity, let’s chat.

And if you know someone, a friend, sibling, or adult child who is facing the same questions, feel free to forward this to them. We are always happy to help.

Book an introductory, no obligation chat with us today, it could be the first step toward the retirement you have been working so hard for.