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Pre-Retirement Planning
The five to ten years before you retire are the most powerful of your working life. Let’s make every one of them count.
Ease into retirement, on your terms
Pre-retirement looks different for everyone. Some people want to wind back to three or four days a week while keeping the same take-home income. Others want to work full steam ahead and supercharge their super in the final stretch. Many simply want the certainty of retiring with the mortgage gone.
At Retire Ready, we’ve helped many clients retire debt-free while taking advantage of tax deductions and strategies they didn’t even know existed. We get a genuine kick out of the difference the right plan can make to your nest egg, often tens of thousands of dollars over just a few years.
Strategies we can explore together
- Transition to retirement (TTR) pensions: reduce your working hours without reducing your income.
- Salary sacrifice & concessional contributions: grow your super faster while lowering your tax bill.
- Debt-clearance planning: structured strategies to retire the mortgage before you retire yourself.
- Super consolidation & review: make sure your money is working as hard as you have.
- Redundancy advice: turn an unexpected package into a genuine head start.
Common questions
When should I start pre-retirement planning?
Ideally 5–10 years before your intended retirement date, but it’s never too early or too late to benefit from a proper plan. Even 12 months of the right strategy can make a meaningful difference.
Can I reduce my hours without reducing my income?
Often, yes. A transition to retirement strategy can supplement your reduced salary with income from your super, subject to eligibility rules. We’ll model exactly what this looks like for your situation.
Should I pay off the mortgage or add to super?
It depends on your interest rate, tax position, timeframe and comfort with risk, there’s no universal answer. This is one of the most common questions we help clients work through.
