You may have carefully considered your retirement options and have put a plan in place some time back. However with the costs of living increasing, have you budgeted properly?

• Recently retired
• Wonder if you are restricted by your circumstances
• Would like to leave a legacy for future generations
• Husband or wife retired; other spouse considering retirement
• Sourcing healthcare benefits
• Lump sum Trauma benefit
• Certain funds only apply to income-earners
• Considering an overseas property
• Interested in travel

At this stage, you want to maximize your retirement savings to either fund the lifestyle you want. Whether it be an overseas trip or helping set up the grandkids, having a retirement plan is essential as you will need to structure your finances to make sure you receive your maximum retirement benefit.

Key strategies to consider

• Pension maximisation
  
• Managing tax issues
  
• Life insurance