JohnHopkins

As a Pre-Retiree you may have asked yourself these and other questions about your future retirement.

We have helped our Pre-Retiree clients prepare for retirement. We are helping them achieve thier goals, let us help you too.

Can I afford financial advice?

Will I have enough to retire?

Should I be salary sacrificing into super?

How can I make the most out of my superannuation?

Is it too late to invest in property?

Should I be worried if I still have a home loan?

Am I paying too much tax?

Can I help pay for my grandchildren's education?

What are my options to protect my income?

How do I ensure that I have structured my will to protect those I love?

Pre-Retirees

Who is a Pre-Retiree?

Never before in history has your generation been healthier or more active – in fact, more youthful. You’re finally getting the opportunity to enjoy some of the good things in life, like travel, eating out and a wide range of leisure pursuits. Your responsibilities are easing, and your children are likely to be independant (even though they’re quite likely to be still living at home).

Your mortgage is finally down to a reasonable level. You’re probably in a comfortable position career-wise. You could well have more surplus cash than at any other time in your life.

You may not be ready to retire yet – may not want to retire yet – but you’re likely to be thinking about when financially you’ll to be able to afford to do so.

One of the hardest and most important decisions your generation has to make is calculating the amount you’ll need to achieve your goals in retirement, as well as being comfortable in making that decision to retire. We often work with clients for years to satisfactorily answer these questions.

Of course, such decisions are now complicated by the Global Financial Crisis. Until that came along, this was the generation that believed – and felt – it was always aged in its twenties with a full and carefree life (and retirement) ahead of them. For many this belief is sadly no longer appropriate. Even if the belief has survived, it can certainly no longer be taken for granted.

For the first time in your life, wealth preservation is now as high a priority for you as wealth creation. You don’t want to see your asset base disappear as a result of poor decisions. You don’t have the time left ahead of you to build it back again.

What is your Financial Strategy?

So first of all, you need to be certain that your existing Financial Strategy will allow you to pay for your chosen lifestyle in retirement – that you can lead the life you want – pay any taxation liabilities and protect you against inflation into the future.

It helps if you have confidence in the accuracy of your advisers’ financial assessment and advice, and you are confident in the relationship you have with both your own personal adviser at the John Hopkins Group, and the organisation itself.

You are probably constantly hearing about the strategies around superannuation and tax, yet do not fully understand them or know how to fully take advantage of them – especially as regulators, governments and the markets seem to be forever changing the rules.

Which is why we carefully consider, answer, plan for and communicate to you both clearly and succinctly all of the questions and concerns you might have, and the consequences of various actions you might take. At the John Hopkins Group, we are committed to financial education.

What does the John Hopkins Group do?

For our clients to be confident about the decisions they make and the actions they take, it’s essential that they fully understand all of the issues. And we always make sure that they do.

This education is not only for yourself but also, ideally, for your children. We can provide them with financial education from a young age so that they can benefit from starting early and hopefully avoiding some of the mistakes made by many of their elders.

Please see our Starters section for an idea on how we can help them in setting some long-term financial goals. (In our experience, when younger people receive advice from our experienced advisers, they respond more positively and actively than when counseled by a family member.)

We will work carefully with you (or your children) on a no-obligation, fee-free basis to start. Then together we can build a relationship and create your long term Financial Strategy.

Call us now on 1300 726 082 or click here to make an appointment to meet one of our advisers. Whatever you do, don’t delay. Putting it off could likely leave you with regrets in the future.