Retirement Planning for Couples

Retirement Planning

For Couples in Dubbo, NSW

We want to retire at the same time.


We offer tailored retirement planning for couples, addressing joint assets, superannuation funds and government benefits. When we are facing issues such as differing retirement ages, income levels and personal goals, we offer specialized planning to help harmonize individual priorities.

Ask us your questions about Retirement Planning for Couples

Ask us about the performance of your investments and how do measure up against benchmarks. Ask us about the fees you are paying. Ask us to explain how super works and why it is important. What is the expected balance of your super when I want to retire? Will it be enough? What can we do about Retirement Plans for Couples now?

Let us inform you of all you need to know about retirement planning for Married Couples

Planning for retirement, from both a lifestyle and financial perspective, should be part of your overall long-term planning. Clients who plan carefully long before retirement will generally be the most successful. The biggest concern is you may outlive your money and become dependent on the Government for assistance.

Allow us to assist you in building your retirement planning goals

Retirement budgeting for dual-income households

Allow us to assist you in setting your financial goals, looking at all your options, the costs, and bringing it all together in a plan that ensures you will have the standard of living you want in retirement. Your financial plan must provide a regular, secure and growing income stream to allow you to meet all your expenses when retired. Given we all seem to be living longer, you’re planning for the next twenty years at least!

Are you on track to retire on the standard of living you want?

We can assist you to establish what standard of living you want in retirement. Generally, it’s your current income less the mortgage repayments. Let’s say it’s $60,000pa. If we assume we are going to live another 30 years, you’ll need a combined super balanced of approximately $900,000. Are you on track? Have a play with a retirement calculator: Retirement planner - Moneysmart.gov.au

What does a typical retirement plan look like?

Usually, it includes an allocated pension you your everyday expenses, a capital reserve to draw on for exceptional expenses, and an annuity product to ensure you don’t outlive your money. An account-based pension offers regular, flexible and tax-effective income from your superannuation. See Account-based pensions - Moneysmart.gov.au. An annuity, also known as a lifetime or fixed-term pension, gives you a guaranteed income for a lifetime or a set number of years. See Annuities - Moneysmart.gov.au. 


Need for Super

Why the need for superannuation?

In 1992 the Australian Government, having foreseen the problem of an aging population and therefore an increasing demand of social security, introduced and mandatory savings plan called Superannuation. Its purpose is to provide income in retirement to substitute or supplement the age pension.

Super an investment?

Why superannuation?

Superannuation is not an investment but a government legislated tax-effective way of holding many investments so long as they are for the sole purpose of your retirement. Investments held in superannuation are generally taxed at low rate of just 15%. We can choose our investments.

Super & Age Pension

We shouldn’t rely on the age pension?

I often come across the thinking that the age pension will back us up. However, with the changing demographics of Australia, more people retiring and for longer, there’s no guarantee we will have this ‘safety net’ in the future. We need to plan of our own independence.

Book a consultation

Have a question? We’re here to help. Send us a message and we’ll get be in touch.

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