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Aware Super
Aware Super
Members Adviser

How to take control of your retirement

Organising your finances is a big job at any stage in life. However, as you approach retirement, bolstering your savings becomes more of an immediate goal.

The earlier you start preparing for retirement, the more options you’ll have to enjoy the retirement you’ve always dreamed of. It’s never too early to research your super scheme and your entitlements.

If you feel you’ve left your retirement plans to the last minute, don’t panic. No matter what stage of planning you are at you can still make a genuine difference to your retirement, starting today.

If you find financial planning overwhelming, there are plenty of ways you can get the information and advice you need. StatePlus offers a range of free seminars and other resources to help you get started.

Being informed is a key factor in feeling confident about your retirement.

Optimising your entitlements

Public sector defined benefit super schemes are complex.

Your entitlements usually depend on your contribution rate over the years. It’s therefore a good idea to make sure your current superannuation strategy is helping to maximise your entitlements for retirement.

A StatePlus retirement planner can help you identify and take advantage of the opportunities that come with working in the public sector.

Before you can make the most of your money, you need to first understand what you’ve actually got. A good starting point is to find out:

  • What assets you have and how much they’re worth
  • How much super you have
  • When you can access your super
  • Your eligibility for the age pension

The earlier you start getting organised, the better. But, know that it’s truly never to late to get started.

Once you have a clear understanding of your current position, you can start moving forward.

Why not get a head start today?

Take a step closer to becoming financially secure for retirement and download our FREE Get ready for retirement in 5 easy steps guide.

Download now

If you have some specific questions about how to optimise your entitlements, you can always give us a quick call on 1800 620 305.

StatePlus five ways to get ready for retirement

Advice that helps you to retire ‘life-rich’

Taking control of your retirement starts with finding the best advice.

With the right advice you can learn how to structure your finances so they support you throughout retirement. That way you can gain the freedom to shift your focus from money to the things you love. It’s a liberating experience.

Imagine yourself taking the holiday you’ve always dreamed of or spending long afternoons with the people you care about most - it truly makes getting retirement ready seems all the more worthwhile.

Have you thought about what you’d like to do in retirement?

Here’s what other Australians just like you like to do.

Getting the best advice for your retirement should be easy and stress free.

Your StatePlus planner will ensure you’re completely comfortable with your advice before anything is locked in. Even then, your plan can be flexible and can be adjusted to suit your changing lifestyle. There isn’t any rush or pressure.

Australians in retirement

Look for a personal touch

Getting financial advice is a very personal experience. Whether you need advice about a one-off event or you would like ongoing guidance, your personal preferences need to come first.

At StatePlus we put you in the driving seat. This is advice on your terms. With our Life and Event Advice, you can choose the type of advice you want, how often you need it and how you access it.

Finding a planner who you trust and feel comfortable with is also crucial. A planner who takes the time get to know you will be able to give you the best advice.

At StatePlus, our planners have helped over 60,500 Australians retire with confidence. Over 25 years, we have developed hundreds of financial plans - each one of them unique.

Your StatePlus planner will put together a strategy for you which:

What to do next?

You’ve worked hard to earn your savings and super. Your planner will work hard to help you live the future you deserve. Call us on 1800 620 305 today and ask us how we can help you take the reins of your retirement.

Come to a seminar
Hear from experts at one of our free seminars in a place near you. Bring along a friend and learn how to best prepare for retirement.
Book seminar
Are you in a defined benefit scheme?
We understand public sector superannuation schemes. In fact, StatePlus has over 25 years of experience with them.
See how we can help
Get the right advice for retirement
Regardless of your bank balance right now, the right advice can improve your financial security and confidence.
Read more
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