Planning for retirement isn’t something to leave until the last minute. Ideally, you should seek professional retirement advice at least 5 to 10 years before retiring, to give yourself enough time to make meaningful financial decisions. This could involve contribution strategies, investment adjustments, or reviewing your super and estate planning. For tailored support, working with a trusted financial planner Sydney can make all the difference.

Seeing a Parramatta financial planner early allows you to map out your retirement income needs and explore the most tax-effective ways to grow your super. This is also the time to assess your investment strategy and potentially seek SMSF advice if greater control is a priority. At Macarthur Wealth Management, we also offer investment advice to help align your portfolio with your long-term retirement goals.

Key Benefits of Early Financial Advice

• Maximise Super Contributions: Use the years leading up to retirement to take advantage of concessional and non-concessional caps.

• Strategic Asset Allocation: Adjust your investment risk profile as your time horizon shortens.

• Retirement Income Planning: Estimate your needs and build a sustainable withdrawal strategy.

• Tax and Centrelink Planning: Advice can help reduce tax and improve your eligibility for benefits.

• Peace of Mind: The earlier you plan, the more confident you'll feel entering retirement.

Seeking general financial advice early gives you more control and confidence, and the best financial adviser will work with you to structure a plan that evolves with your needs.

Disclaimer: This blog provides general information only and does not consider your personal circumstances. You should seek advice from a licensed financial adviser before acting on any information contained herein.