The Looking-to-Retire

Goals & Objectives

Maximise Superannuation

This couple is focused on making the most of their super in the final years of accumulation—whether through concessional contributions, consolidating accounts, or adjusting asset allocations for performance and stability.

Reduce Debt before Retirement

Clearing remaining home loans, personal debt, or investment lending is a top priority to ease financial pressure and free up retirement income.

Transition into a comfortable retirement lifestyle

They want to plan ahead to maintain their current lifestyle (or improve it), with clarity on income streams, spending habits, and lifestyle costs.

Secure Passive Income

Establishing reliable, tax-effective income sources—through super, property, or investments—is essential for peace of mind and financial freedom in retirement.

Pain Points

  • Concerned about whether they’ve saved enough to retire comfortably.

  • Confusion around superannuation and pension strategies.

  • Fear of outliving their money.

  • Uncertainty about when they can realistically retire without compromising lifestyle.

Objections

  • Fear that financial advice will suggest delaying retirement.

  • Concern that fees will reduce their retirement savings.

  • Hesitation to trust an adviser with their financial future.