Retirement Planning
Our approach to Retirement Planning:
Working Towards Retirement to ensure appropriate wealth creation strategies are in place i.e.
- Salary Sacrifice
- Transition to Retirement
- Wealth Protection
- Positive and Negative Gearing Strategies
- Retirement of Non-deductible Debt
- Tax Reduction Strategies
Pre-retirement Planning
- Ensuring assets are held in the most efficient and appropriate tax structure and name
- Estate planning issues, Centrelink (if applicable)
- Income generation, tax efficient
In Retirement
- Markets generally turn every 6 ½ years
- Given that cycle we generally ensure sufficient amounts are invested in non-volatile cash and fixed interest investments so you have some certainty about your source of income.
- The remainder of investor's assets to be invested in asset classes that will produce growth for the next 6 years i.e. time in the market, not timing the market
Our Review Process
- In a Bear market - less often
- In a Bull market - meet more frequently
- Protect critical capital
- Take profit
- Re-balance portfolio back to your investment profile
Objective
- Design strategies - not sell products
Costs
- We prefer to charge at a fee for service (hourly rate) however we can be remunerated by entry fees and commissions if requested. All our fees are discussed and agreed with you up front.
Take the worry out of your retirement and contact us today.
The advisers of BCP Financial Planning can provide financial services as authorised Representatives of Professional Investment Services Pty Ltd, ABN 11 074 608 558, an Australian Financial Service Licence Holder (No 234951)
