RETIREMENT PLANNING IS EASY AND *FUN,* YOU JUST NEED TO BEGIN

Retirement doesn’t have to be scary and preparing for retirement shouldn’t be put off either. The thought of saving for retirement can seem unrealistic when everyday living gets in the way. So how can you plan for retirement?

Spend some time with a financial planner to help review your current finances and provide you with easy steps to make your retirement plans look brighter. Because let’s face it, your retirement should be spent stress-free.

Now, how do you find money to retire? Did you know if you saved just $2 a day, that this equates to $730 a year? In 15 years you will have saved $10,950 of money that was most likely never missed. Plus, if you then invest your $10,000 savings it could become a building block to something bigger. Where do you find $2 a day? How about one less coffee purchase a day and brew your own at home instead? This seems like a rather painless exercise.

Imagine retiring but then discovering that you needed to return to work because you are low on finances? According to the Australian Bureau of Statistics, in 2007, roughly 310,000 retirees, returned to work, mainly due to financial need. Don’t become one of these statistics, start planning today.

I did promise you that retirement planning is fun, so here goes. If you own a small business, how can you think bigger than your current business? Many business owners are so focussed on their everyday operations that they forget to take a look at the bigger picture. Sitting down with your financial planner will help you identify your business goals, and provide you with a plan to achieve them. What if you discovered after three years of building up cash flow and paying out all debt, the profit made is then yours to invest? Can you imagine buying property with your business or perhaps opening up a franchise? Now you are opening up the opportunity for passive income to work for you, in the areas that you are passionate about. This will put you in good stead for retirement.

Do you see how reviewing your financial picture can be exciting? It’s because at Aperio, instead of giving you a random amount that you need to aim for retirement, we help you see the bigger picture and step you in the right direction of getting there. Call us today on (03) 9230 1500 or email info@aperio.com.au. We look forward to hearing from you.