Experienced financial professionals dedicated to helping you navigate retirement management and estate planning with confidence and peace of mind.

At Eclipse Advisory Pty Ltd, we understand that planning for retirement and managing your estate are important in securing your financial future.

Retirement Planning

We offer comprehensive retirement planning services that fit your unique financial situation and goals. Our team will work closely with you to develop a retirement strategy that considers factors such as your desired retirement age, financial goals, risk profile, and income needs.

Superannuation Advice

Superannuation is a key component of retirement planning for many Australians. We can help you optimise your superannuation strategy so that your retirement savings are maximised and ensure you’re taking full advantage of available tax benefits and investment opportunities.

Estate Planning

It is important to plan the distribution of your assets and the protection of your estate to ensure your loved ones are taken care of after you pass away. Our estate planning services include wills, trusts, powers of attorney, and advanced directives. We’ll work closely with you to develop a comprehensive estate plan that addresses your unique circumstances and objectives, providing you with peace of mind knowing that your legacy is protected.

Retirement & Estate Planning

FAQ

When should I start planning for retirement?

It’s never too early to start planning for retirement. The earlier you begin, the more time you have to save and invest, allowing your money to grow through compound interest. Ideally, you should start planning as soon as you start working.

How much money will I need to retire comfortably?

The amount you’ll need depends on your lifestyle, health care needs, and life expectancy. A common rule of thumb is to aim for 70-80% of your pre-retirement income to maintain your standard of living.

What are the key steps in creating a retirement plan?

Key steps include setting retirement goals, estimating retirement expenses, assessing your current financial situation, determining how much you need to save, and choosing appropriate investments. Eclipse Advisory will guide you through each step, offering continuous support and adjustments as needed.

How can I ensure my retirement savings last throughout my retirement?

Strategies include creating a budget, managing your withdrawals, considering annuities, diversifying your investments, and regularly reviewing your retirement plan to adjust for changes in your financial situation and market conditions. Eclipse Advisory provides ongoing guidance to secure your financial future.

What types of investments are best for retirement planning?

A mix of stocks, bonds, and other assets tailored to your risk tolerance, investment horizon, and retirement goals is usually recommended. Consider consulting with a financial advisor to create a diversified portfolio. Eclipse Advisory can offer investment suggestions aligned with your objectives and risk appetite.

How does inflation impact my retirement savings?

Inflation erodes the purchasing power of your money over time. To combat this, your investments should ideally grow at a rate that outpaces inflation, ensuring your savings maintain their value. Eclipse Advisory’s financial strategies help you stay ahead of inflation.

What role does superannuation play in my retirement plan?

Superannuation is a key component of retirement planning in Australia, offering tax advantages and long-term growth potential to help you build a substantial retirement nest egg. Eclipse Advisory specialises in superannuation strategies tailored to your needs.

What are the benefits of having a diversified retirement portfolio?

Diversification helps manage risk by spreading investments across various asset classes, sectors, and geographies, reducing the impact of poor performance in any single investment. Eclipse Advisory’s personalised approach ensures a balanced and diversified portfolio.

How can I maximise my retirement income from superannuation?

Strategies include making additional contributions, choosing the right investment options, minimising fees, and taking advantage of tax benefits associated with superannuation. Eclipse Advisory helps you make intelligent investment choices within your super fund.

What are the common mistakes to avoid when planning for retirement?

Common mistakes include starting too late, not saving enough, failing to account for inflation, relying solely on superannuation, neglecting to diversify, and not seeking professional advice. Eclipse Advisory’s expertise helps you avoid these pitfalls and secure your financial well-being.