Retirement
How to plan for RETIREMENT?
Retirement should be a reward—not a worry.
When you’ve reached the point where work is optional, it’s time to make sure your lifestyle stays enjoyable, secure, and sustainable. That’s where we come in.
We help you balance growing your investments with meeting your current commitments, so you can enjoy today while planning for tomorrow.
Our retirement planning expertise includes:
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Transition to Retirement strategies
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Property investment through SMSFs
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Annuities and capital-protected investments
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Pension structuring and taxation planning
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Family trusts and estate planning
You’ve earned this chapter—let’s make it your best one yet.
How can we help:
Retirement is personal—so is our advice.
At Prosper Financial Planning, we don’t believe in one-size-fits-all solutions. We take the time to understand your lifestyle, goals, and financial position, then craft a retirement strategy that’s uniquely yours.
Here’s how we support you:
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We assess your income needs, spending habits, and future plans
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We design investment strategies that balance growth with stability
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We help structure your assets to maximise tax efficiency and pension benefits
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We guide you through estate planning to protect your legacy
Whether you’re retiring soon or already enjoying it, we’re here to keep the good times rolling.
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Retirement by the Numbers
Australians are living longer—and retiring earlier.
With life expectancy rising and many choosing to retire in their early 60s, your retirement could span 25–30 years or more. That’s a long time to rely on your savings and investments.
Here’s what that means:
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You may need to fund 30+ years of lifestyle expenses
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Inflation and market shifts can erode purchasing power over time
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Strategic planning can help you maintain income and grow assets throughout retirement
The earlier you plan, the more freedom you’ll have.
