RETIREES

RETIREES

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Starting Your Second Life

After a long career it is time to slow down, relax a bit and start enjoying the second half of your life. You look forward to the opportunities to experience things which you have never done before and travel to places you have never been to.

At the same time, you may not be sure if your retirement funds will be enough to maintain the lifestyle you want, and to access the level of health care you may need in the future. We are here to help you evaluate your financial situation and provide solutions which aim to grow and protect your wealth enough to sustain your retirement goals.

With an increasing life expectancy, our retirement age has been stretched longer and longer. Unless you plan to delay your retirement, there is a lot to consider to secure your future beyond your working life: Have you saved or invested enough to sustain your preferred lifestyle for the next 20 to 30 years or more? Without medical offered by employers, do you have enough insurance cover to cope with your increasing health risks and medical expenses? Do you have plans for preserving, managing and distributing your assets in the event of incapacitation or death?

Insider Tips

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Inflation and high costs of health care are two main high-risk factors retirees worry about. If you don’t feel ready to retire, one of the best ways to ensure you have enough for spending into retirement is to work a few additional years. Focusing on physical fitness is also key to avoiding your finances from being burdened by health care expenses.

No matter how well you plan, surprise expenses are inevitable. Budget for unexpected costs like household maintenance. Small spending habits could have a big impact on your overall retirement funds, so it is always good to have an investment professional to help you review your fiscal health regularly.

Insider Tips

1

Inflation and high costs of health care are two main high-risk factors retirees worry about. If you don’t feel ready to retire, one of the best ways to ensure you have enough for spending into retirement is to work a few additional years. Focusing on physical fitness is also key to avoiding your finances from being burdened by health care expenses.

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No matter how well you plan, surprise expenses are inevitable. Budget for unexpected costs like household maintenance. Small spending habits could have a big impact on your overall retirement funds, so it is always good to have an investment professional to help you review your fiscal health regularly.

How can we help?

Oreana Private Wealth specialises in delivering expert financial planning and investment solutions. Our advisors serve each of our clients by being attentive and working to understand your individual needs. We are focused on enhancing your current financial situation and planning to meet your future objectives, as well as delivering market leading investment choices.

Understanding your needs – At the beginning of our journey with you, we will take the time to get to know you, your unique needs and goals to gain a thorough understanding of your current financial situation. This will involve helping you to understand your attitude to risk and to assist in developing your objectives. This may cover many areas, some of which may include:

  • Your retirement funding needs
  • Restructuring and consolidating your finances
  • Managing your cash-flow and budget
  • Insuring you against personal risks
  • Protecting your assets through trusts
  • Estate planning and charitable giving

Creating your plan – From here, our advice and research teams work together to design a financial plan to help build, protect and manage your wealth. This plan will step you through the strategies designed to maximise your current position and guide you through the investment options available to assist you in achieving your financial goals.

Putting your plan to work – After a thorough client consultation process and discussion of the financial plan, we implement the advice we have provided in accordance with your specific requirements. This may also include referrals to other professional services such as legal and accounting.

Monitoring your progress – The key to the long-term success of your financial plan is ongoing management. We commit to working with you to adapt your plan as your priorities shift over time and to help you realise your goals along the way.

Your plan will show you how we, as your trusted partner, will monitor, review and safeguard your future, ensuring changes in the economy, legislation and your personal circumstances are considered, and adjustments made where needed.

Planning for your retirement does not have to be complex or time consuming. We have straightforward solutions that can make a big difference to your Second Life. It is never too late to start.

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