Retirement Planning Brisbane

Retirement Planning

Brisbane / Services / Retirement Planning

Retirement Planning

A common question that we are asked is how much will I need when I retire? What amount will I need in my superannuation when I retire and how much income will I be able to live on? These are all complicated questions that require a personalised strategy.

Retirement planning gives you the chance to prepare for your future with confidence.

At Blue Tree Financial Planning, we provide you with financial advice regarding the retirement process, whether you’re only starting to think about retiring, beginning retirement, or already there. Our team understands the strategies that will work for you to meet your financial needs in retirement.

Retirement Planning Brisbane

Many people wonder when they should start retirement planning. In general, the earlier, the better. You can start setting aside funds for your retirement as early as you want. But if you’re late to the party, we’re here to assist if you’re only a few years away from retirement and want to make well informed decisions with the aid of a financial advisor. We utilise several retirement planning strategies designed to meet your unique needs. Some examples of strategies include:

  • Superannuation
  • Investment
  • Budgeting and cash flow management
  • Personal insurance

We can discuss each of these strategies in detail by booking a call with us here. We’re ready to help you learn more about all of your possible wealth solutions.

Expert Retirement Advice

Preparing for retirement often feels easier if you have reliable retirement advice from an expert. Our team can assist you with understanding your current savings situation. After we review your current retirement plans, we can help you:

  • Determine what you want from your retirement plan.
  • Set goals for retirement planning.
  • Meet your goals through strategies and investments.


We use our investment experience to work with you to establish a retirement plan that meets all your needs. You should be able to enjoy your retirement without worrying about finances. Let us step in to handle retirement planning for you.

Income In Retirement

When you retire, how you put your investment portfolio together is more important than ever if you want your retirement savings to last as long as you do.

Your investments need to not only keep pace with inflation, they also need to grow to pay for your lifestyle and to be protected from investment risk.

Balancing all these competing requirements can be tricky. One solution is a retirement bucket strategy. This approach establishes different ‘buckets’ or accounts for different types of spending and investing over the entire period of your retirement.

https://bluetreefinancialplanning.com.au/retirement-planning-brisbane/

What’s a Bucket Strategy?

The bucket approach to managing retirement portfolios was pioneered by US financial planning guru Harold Evensky in 1985.

Bucket strategies are designed to balance the need for income stability and capital growth in retirement. The aim is to make your money last, while still giving you the flexibility to make a lump sum withdrawal for expenses like holidays or home renovations.

Although there are several ways to use the bucket concept, the most common is a three-bucket strategy.

The approach is popular with many retirees because it eliminates the risk of having to sell your investments when the market is down to pay for regular living expenses. Its popularity has seen some industry super funds begin offering super pensions based on the strategy.

How does the strategy work? The bucket approach divides your retirement into different phases, with a separate account established to meet your financial needs as you age.

A three-bucket retirement strategy, for example, divides your retirement savings into three accounts (short, medium and long-term), each of which has a different role.

Transitioning To Retirement

Retiring represents a major milestone for many people. You start a new chapter of your life where you can explore your interests and embrace a new lifestyle. We help with the transition to retirement by assisting with your financial planning.

Our team takes steps to protect you against financial risk while helping you get the most out of your returns. We can find ways to diversify your portfolio, which often allows you to meet the goals you set for your retirement.

Additionally, we can adjust your retirement plan to meet your lifestyle and needs. Our team doesn’t believe in a one-size-fits-all retirement plan. Instead, we work with you to develop a strategy that addresses your goals and how to meet them.

We Take Care of Your Superannuation

Your Super provides a large percentage of retirement savings for many people in Brisbane and around Australia. We understand how to handle these funds on your behalf. You might have multiple funds if you worked more than one job. Our team can track down all your funds and help you to merge them before retirement.

Understanding what you should do with your superannuation funds can be a complicated and difficult process to navigate by yourself. When moving or changing your superannutoin funds you want to have confidence that you are making the right choice. We can take away all of the confusion and help to make sure that you are on track for your retirement.

Speak To Us About Retirement Planning Today

It’s important to start thinking about your future. You can count on our team at Blue Tree Financial Planning to put you first. Book in for a discovery call here to go over the options you have to save money for your retirement years. We’re here to provide you with personalised attention now.



“We understand that everyone is unique. That’s why we take the time to understand your financial goals and it all starts with a conversation…​”

TESTIMONIALS

Very professional service. Matthew has been (and is) an excellent, supportive and quality financial planner. He is responsive and provides tailored advice to suit my circumstances. I would highly recommend Blue Tree Financial Planning.

TESTIMONIALS

Matt Scherhag has been our Financial Planner for quite a few years now and we have always found Matt to be extremely knowledgeable and professional but more importantly someone who really listens to us and is interested in our specific needs. Matt is extremely easy to talk to and always takes the time to go over every detail with us. I have no hesitation in highly recommending Matt.

TESTIMONIALS

Matt has always been ready to answer any questions my husband and I have had, and very patiently explains what he's suggesting for us. He is very approachable and never makes us feel foolish when we ask for more information. I strongly advise you to talk to Matt and his capable team to guide your future.

TESTIMONIALS

Matthew is a knowledgeable planner who is always looking out for ways for clients to reach their financial goals sooner. He takes the time to find out what is important to the client and then works on a strategy to put this in place as quickly as possible. We would highly recommend Matthew, Sherilee and the whole team to anyone who is looking at getting their finances in order.

TESTIMONIALS

I appreciated the very personal approach and the depth of detail that Blue Tree Financial went to, when I started with them last year. I now have a healthy superannuation fund that suits my exact requirements. Even better, the cost of the information I received was more than covered by the savings I made from putting the advice into action.

TESTIMONIALS

anyone interested in investment or superannuation plans, I highly recommend BLUE TREE FINANCIAL PLANNING. Matt is very professional and sincere with all the advice that he gives