Retirement Planning, designed for You.

Your life. Your goals. Your customised retirement plan.

The 20 Factors of Retirement Planning Guide

Ready to plan, or need more info? Learn about 20 key factors of retirement planning to answer your questions and get yourself on track.

Are you ready for Retirement?

If you’re between 40 and 55, you may not have given much thought to retirement. 

While it may seem a long way off, burying your head in the sand can have a catastrophic impact on the nest-egg you’ll need in retirement. Instead of facing what can seem like a confusing maze of red tape and legalities, we can help you plan for and protect your unique retirement plans and goals, with strategies suited to your particular lifestyle and needs.

Frequently Asked Questions about Retirement

We’ve helped hundreds of families in Sydney plan for retirement and have answered some of the most common retirement planning questions here:

How much money do I need to save for retirement?

It’s a simple calculation that’s also complicated.

You need to think about three things: what age do you want to retire, where you’ll retire to, and what you’ll do in retirement? That’s the simple part, the complicated part involves the type of healthcare you want to receive, the insurance coverage you want to be protected by, what option you chose when receiving your super payments, do you have estate planning in place?

You could be retired for up to 30 years so working out a yearly cost and multiplying it is a quick way to get your calculation.

How does my income work when I retire?

There are different types of retirement income streams available, such as annuities and account-based pensions, and how they work will depend on your specific situation.

How do I create a retirement plan?

Put simply you need to know four things:

  1. Where you’ll be living in retirement (location and housing type)
  2. What you’ll be doing in retirement (part-time work, hobbies, activities, travel)
  3. How much the two previous points will cost
  4. The difference between how much your retirement will cost, and how much you’ve saved to date, divided by the number of years until you plan on retiring.
Do I really need to use a financial planner?

You don’t need to use a professional, and a lot of people find it easier to begin planning themselves before reaching out for help on the more complicated aspects.

What a professional retirement planner can provide is guidance on not only planning for your future, but putting in place a savings plan today that doesn’t take out all of the fun you can have in the years leading to retirement.

A good adviser will also stay up-to-date on the latest regulations and changes in the retirement landscape and ensure the advice that they give and have given in the past continues to generate the best returns for their clients.

Why should I work with Profile Financial?

If you’re ready to invest the time, energy, investment, and discipline into saving for your retirement, then we are the perfect match for you.

  • We’ve helped hundreds of families in Sydney plan for retirement and would love to add you to our client family.
  • We understand that budgeting and saving for retirement can seem like to big of a sacrifice for today so we’ve developed our unique approach.
  • We like to set our clients up into savings buckets, that achieve short, medium, and long term savings goals
  • We aim to help our clients save, but still give the flexibility for family holidays, new cars, schooling, and other costs that our families incur.

If you’re willing to have an obligation-free conversation with one of our highly trained advisers, fill out the contact form below.

What are the fees for working with Profile Financial?

It’s a complex question because the input is so different between clients. However the below figures should provide you a range that you could expect a fee to fall within.

  • Strategy Advice – $3,300 to $22,000 (incl. GST) depending on the level of complexity. This is one off.
  • Ongoing Advice – $3,300 to $16,500+ (incl. GST) per annum depending on the level of monitoring and ongoing work that is required.

If we don’t think we can help, we will tell you that honestly, and early. We have many years of experience, and many contacts in financial services. So the chances are good that even if we are not the right firm for you, we can help you find someone who might be a good match.

Want more information about planning your retirement?

Answer your questions and get yourself on track with the guide to 20 key factors of retirement planning.

Plan to enjoy your retirement.

Don’t leave the best years of your life to chance or luck.

Choose to make the most of every day.

Our excellent team of fast-working, authentic professionals is ready to meet with you, discuss your unique vision for your retirement, and craft the perfect financial solution for you.

Make more time to savour your retirement.

Planning for retirement can be confusing and overwhelming

Figuring out what plan is right for you and navigating the choppy waters of
legal responsibilities is not something you should have to worry about alone.

We’re here to stand by your side. Our professional team of experts knows their stuff,
and we create a safe space where we can grow together. When you reach your goals, we reach our goals.

It’s Personal

This is all about you, which is why we take the time to truly understand what retirement goals and plans you have in mind. We want to build your retirement strategy around your unique needs.

What You See Is What You Get

You’ve worked too hard not to have control of your money. With us, you can expect visibility, control and peace of mind.

We Will Change Your Life

Say goodbye to missed opportunities, poor advice and worrying about what will happen when you stop working. Say hello to preparation, understanding and the retirement you plan for!

Hear about what we can do straight from our customers

While we’re confident in what our services can do for you, we understand that you don’t necessarily want to take our word for it.
Instead, hear what our customers have to say about us, our process and the results we have achieved for them:

We’re here to change your life

Ready to take the first step on your journey toward financial freedom? With Profile Financial Services, the process couldn’t be simpler.

Get in touch

Schedule an introduction meeting with one of our advisers. This meeting is confidential, and we bear the cost of the initial consultation to help us learn more about you and your financial goals.

Create a unique plan

We’ll dive deep into your needs and preferences to create a plan tailored to your circumstances. After some research, your financial adviser will present your advice for your approval.

Enjoy an extraordinary life

After your plan is implemented, you can relax and enjoy the benefits! We will schedule regular reviews with you to monitor your progress and make any necessary adjustments to help you stay on track towards achieving your goals.

37 Years in Business

1,500 Families Helped

1,454+ Retirements Planned

Want more information about planning your retirement?

Learn about 20 key factors of retirement planning to answer your questions and get yourself on track.

The Profile Team

We are a group of diverse people with lots of different backgrounds and we're here to help you.

Profile Financial Services' memberships & awards

We are proud of the hard work we put in and the difference we make in our clients’ lives.

Take a look at some of our memberships and awards below.

Worrying about money is the last thing anybody wants to do.

At Profile Financial Services, we know how frustrating it can be to work hard for your money without making any progress financially.

Feeling in control of your finances, growing your wealth, and achieving financial freedom shouldn’t be stressful. In fact, at Profile Financial Services, we go out of our way to make the entire financial planning process as simple and headache-free as possible so you can focus on building and enjoying a life you love.