Retirement Planning                                                                                                                                                                                                                                                                                                                                      

Personal Financial Planning is a broad subject. It may include managed investment, risk management, superannuation, estate planning etc.. However, we recommend you to share your retirement objectives with us regardless of your age as it is the number one concern most Australian have. We can help you to :

  • understand your retirement goals in financial terms;
  • estimate   how much incoming generating assets you need to accumulate   to support your desired   retirement life-style;
  • formulate   strategies to accumulate the required level of   assets before retirement;
  • package tax effective income streams using the accumulated assets for retirement living;
  • advise you on the investment strategies in relation to your retirement fund in accordance with your risk profile;
  • review your financial position and strategies   regularly against latest economic,       legislative and personal circumstances   changes to ensure your goals are on track.

Our objective is to   form a close partnership relationship with you, acting   like your personal Chief Financial Officer. Mentoring your retirement journey along the way to assist you to achieve   a   peace of mind retirement.

The following table shows how much incoming generating net assets (not counting your own home)   a couple needs to accumulate to support their 30 years retirement lives assuming they need $63,500 (after tax)   for living at their 1st year of retirement.     Assumptions used in this example   are conservative   :

  • asset allocation (cash/fixed income   30%,   shares 35%,   properties/property trusts   35%)
  • asset return rates (average capital growth rates p.a.   for assets   except cash and fixed income   : 3.2%   and average   income return   p.a. :3.1%)
  • average tax rate   (20%)
  • annual inflation rate ( 2.5%)
  • amount of inheritance they wish to leave to their descendants (Nil, apart from their own home)

It should be noted that the example below is only for general reference purpose   only. It should not be used as a specific personal financial   advice. You should consult your financial adviser or contact us should you need a   specific calculations   of your retirement requirements which should be   in accordance with your personal circumstances and risk profile :







Professional Investment Services Pty. Ltd. (A.B.N. 11 074 608 558)

Australian Financial Services Licence No. 234951

Email address :

HO Telephone Number : 07 55740244 

         Ivan Lee BEc, M App Fin, CPA (Specialist in Financial Planning)

         Authorised Representative (AR No. 298341)

         C/- Australian Money Masters

         PO Box 190, Eastwood NSW 2122,

         PH/FX : 02 94166335  Mobil: 0412685283  Email :



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