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40+ years of private client advisory
32 offices servicing metro and regional areas across Australia
Australian Financial Services Licence (AFSL) - 238282
Retirement planning for a confident financial future
Retirement planning is about more than deciding when to stop working.
It's about having the confidence that your savings, superannuation and investments will support the lifestyle you want throughout retirement.
For Australians with significant assets, retirement planning is far more complex than a standard drawdown strategy.
Tax exposure, SMSF governance, investment structure, and intergenerational transfer all demand specialist attention and the cost of getting them wrong compounds quietly over time. At RSM, we develop retirement strategies based on your needs.
Whether retirement is just around the corner or many years away, developing a personalised retirement plan can help you make informed financial decisions and prepare for the future.
What is retirement planning?
Retirement planning is the proactive steps you take to make sure you can live the lifestyle you aspire to when you retire.
Whether you plan to retire early at 40, or well into your 60s, it’s never too early or too late to start planning for retirement.
In fact, the moment you receive your first superannuation contribution is the moment you should consider getting advice on how to maximise your return and minimise your risk over the long term.
- How close you are to your ideal retirement age generally determines the types of investment strategies you might use.
For example, when you are young you may wish to investigate higher risk investments that have the potential to deliver a higher long-term return.
Later in life, you may consider medium risk investments while keeping a close eye on how they are doing so you can change your strategy as the financial landscape changes.
The eight step pre-retirement planning checklist
The key to being able to retire when you want, and live the way you want, is to make sure you will have enough sustainable cash flow, ideally from more than one source. This includes money for:
- Weekly living expenses
- Debts (if you have them)
- Luxuries and capital expenditures
The total amount you save – regardless of whether it is dispersed across cash, shares, property, and so on – needs to last as many years beyond the age you plan to live this lifestyle. Many people think achieving their dream retirement is impossible – especially if they have only started thinking about it later in life.
However, our retirement planning specialists have helped people who didn’t think they were close to retirement develop a strategy that allowed them to retire much sooner than they expected.
How can RSM help with your retirement planning?
We have retirement planning experts across Australia who would love to help you achieve your retirement goals. We will work with you to:
- Evaluate your current investment strategies
- Calculate your existing assets, including super amounts
- Devise an achievable strategy
- Show you how to execute it
- Meet with you annually to re-evaluate it
A dream is only a dream until you take practical steps to make it happen.
At RSM, we can show you how to take the right steps at the right time so you can see your retirement dream come true.
Start your retirement journey and book your free consultation with an RSM retirement planning expert.
Retirement planning is about much more than building your superannuation balance.
It involves understanding how your investments, tax position, Centrelink entitlements, estate planning and income needs will work together throughout retirement. A well-structured retirement plan provides greater certainty, helping you make informed financial decisions while adapting to changing legislation and personal circumstances.
Start planning for the future with confidence
Whether you're preparing for retirement or considering future aged care needs, our financial advisers can help you make informed decisions that protect your lifestyle, finances and family.
Meet your local adviser (East coast)
Meet your local adviser (West coast)
Personalised retirement advice for every stage of life
Tax financial planning in the same room
At RSM Australia, your financial adviser works alongside tax specialists which means that your retirement strategy and your tax position are always aligned.
Senior Financial Advisers
You will always speak with an experienced financial advisers.
National coverage, local relationship
RSM has 32 offices across Australia. You receive the resources and depth of a national firm with an adviser who knows your name and your situation.
Fully licensed
RSM Financial Services Australia holds AFSL 238282. Your adviser is bound by the highest standards of professional conduct and a fiduciary duty to act in your interest.
Book your complimentary consultation*
*The first 30 minutes will be a discovery discussion. Following this, the adviser will outline the recommended next steps and discuss any applicable fees.
Whether you're preparing for retirement or considering future aged care needs, our financial advisers can help you make informed decisions that protect your lifestyle, finances and family.
Whether you're preparing for retirement or considering future aged care needs, our financial advisers can help you make informed decisions that protect your lifestyle, finances and family.
Why choose RSM Financial Services?
Senior Financial Advisers
Tax financial planning in the same room
National coverage, local relationship.
Fully licensed.
AFSL 238282
Expert financial advisers for retirement planning
