For almost every post industrialist generation that came before us, the formula was simple:
Work to the age of retirement, usually somewhere around 65, claim your pension, and live out your life doing something that you actually want to do rather than have to do, and acquire, hopefully, enough money to do both that and last to the end.
Retirement isn’t just where, it is how and when too. So, you think your biggest challenge is to decide where you will retire, think again! Having decided where and when you want to retire and what you want to do, you not only need to make sure that you can afford to but also make sure that you will be allowed to live there. Retirement means moving from money coming in to money going out, and understanding what your retirement cashflow looks like is essential. In this seminar Ian Black, AAM Head of Financial Planning and Wealth Solutions, and Dominic Volek, Managing Partner of Henley & Partners, will discuss the factors you need to consider when deciding where and when to retire, and how Cash Flow modelling can help you ensure that you can enjoy your retirement with peace of mind.
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Advice on Final Salary pensions remains a hot topic in the media, especially after the scandal at British Steel where many were transferred to unsuitable, and in many cases, unregulated investments putting their pensions at risk.
As an expatriate, if you were previously a member of a UK Pension, it is vital to understand what your pensions may do for you and whether you are on track for the retirement you want.
Now that the Election is behind us, what does the ATO have in store for you? With the Federal Election following hot on the heels of the 2019 Budget we now turn our attention to the policies of the reinvigorated Coalition Government. In previous years we have seen a raft of measures which have impacted on the financial wellbeing of Australian Expats and amongst the latest, one which could remove your Insurances from your Super without your knowledge.
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We can say many things about the ongoing saga of Brexit but certainly not that it is plain sailing – short of wars and the oil shock of the 1970s, I can’t remember many times less plain sailing than now. In the three years since the UK voted to leave the European Union on 23rd June 2016 we have seen increased political division and rising uncertainty over both the likely outcome of Brexit and the future party of Government of the UK
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Despite the arrival of a new state pension, we still have the old one running alongside it, and the added complexity this brings.
For many people, the state pension is the bedrock on which private pension provision is built. How to qualify, how much it will be and at what age you can expect to get it are all factors that must be considered.
With the date for the 2019 Budget having been confirmed as April 2nd, attention is turning to what the Treasurer may have in store for us in this pre-election budget. In previous years we have seen a raft of measures which have impacted on the financial wellbeing of Australian Expats. Ian Black – AAM Head of Financial Planning and Wealth Solutions – will discuss the changes introduced in the Budget, how these will impact you and what you can do about them and the key Labor proposals likely to come in if they win the election in May.
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