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Thinking about your retirement can often be uncertain. You won’t have a regular salary or income, and you’ve got a lot more time on your hands. But retirement is your time to slow down and enjoy the next phase of your life. It’s a big change, but it doesn’t have to be stressful.
At Liston Newton Advisory, we help you plan for your retirement by starting with the end in mind. With an expert retirement planning advisor on your side, we will determine what you’ll need each year to live comfortably, and then help you put investment strategies in place now that set you up for the future.
After all, the best type of retirement planning is the one that allows you to achieve your financial freedom. We can help with pension planning, downsizing your home and transition to retirement.
Get a free 90-minute video consultation. See how it works.
At Liston Newton Advisory, we take pride in helping business owners get more out of their hard work. Our downloadable guides can give you an in-depth look at strategies and technologies that will help your business grow.
Liston Newton Advisory has over 40 years’ experience helping our clients plan their retirement and reach their investment goals. We’ll help you reach yours, too.
When it comes to your retirement financial planning, we look at the bigger picture, and develop retirement planning strategies that include financial planning and tax advice to ensure you receive the most in your nest egg.
We help you plan for and reach your retirement goals by leveraging our trusted network of investment advisers, stockbrokers, and tax experts.
Retirement planning is a long-term strategy, so we work with you to make sure you completely understand your investment decisions, and make the right choices for a comfortable future.
At Liston Newton Advisory, we take pride in helping business owners get more out of their hard work. Our downloadable guides can give you an in-depth look at strategies and technologies that will help your business grow.
The right retirement planning strategies enable you to take control of your personal wealth creation, and continue living the lifestyle you’re used to, well into your retirement.
To achieve this, our retirement planning advisers use accurate financial modelling and sound investment advice to ensure your needs will continue to be met, and partner with you to ensure you’re making the right choices for your future.
We can even travel to your premises to discuss your retirement financial planning strategies with you face-to-face. It’s all part of our commitment to your success.
We have worked with Liston Newton's Accountancy and Advisory Team for over a decade. During that time, our business has grown substantially both organically and through purchases. This wouldn’t have been possible without Liston Newton Advisory to assist with our business planning, providing proactive advice and ensuring our accounts were always compliant in a complex and volatile industry.
Liston Newton's Accountants analysed our financial and business situation and helped us implement strategies to improve our position. Their strategies turned our business from making a loss, to recording a 6-month net profit of 36 per cent. And we are now on track to show a 240 per cent increase in turnover over the next financial year.
Liston Newton helped us move our accounting over to Xero. Their Accountant managed the set up and training so we felt comfortable with the software. We now have all our processes streamlined which gives us improved visibility of our business performance. This has allowed us to open 2 more stores without a significant increase in administration effort.
No matter what stage of your retirement planning you’re at, our retirement planning advisers will help you put plans in place that deliver your financial freedom.
We help you map out your investment journey, ensuring you get the full picture, and make financial choices that will ensure you’re able to enjoy the next stage of your life.
We call this unique methodology Get Set, Get Moving, Get Free.
Get the right advice and peace of mind that your future is taken care of.
We restructured Papermill Media and moved them to cloud accounting. Papermill was listed at number 43 in the Australian Financial Review's Fast 100 List in 2017.
Take a lookWe have helped Cambridge Plumbing to manage and forecast cash flow. We've also provided the director with advice on wealth creation and asset allocation.
Take a lookAfter helping them transition to Xero, we conducted quarterly business coaching with Quality Energy and helped increase their profits by 90 per cent.
Take a lookWe built Safe T Pro a financial model to give them a clearer insight into their business performance, enabling them to scale without putting too much pressure on cashflow.
Take a lookSince engaging Liston Newton’s services, Kate Nixon has seen a 12x increase in revenue and has effectively scaled her business in a tax-effective way.
Take a lookWith Liston Newton’s help, Claudia Martin was able to sell her business tax-free, gain clarity in her retirement planning, and make smart investment decisions.
Take a lookAfter engaging Liston Newton's services, Chris & Leanne Roberts were able to purchase the B&B of their dreams by utilising their savings in the most tax-effective way.
Take a lookSee how Willow Urban Retreat owner Jeremy gained clarity over his business performance and reduced time-consuming tasks with help from the Liston Newton team.
Take a lookAlison Bartlett worked with Liston Newton’s lending team to help secure her dream holiday home on the Mornington Peninsula. We stepped Alison through multiple repayment scenarios and servicing calculations to determine how much she could responsibly spend on a new holiday home. Alison now treats her family to regular holiday getaways.
Take a lookYou deserve to enjoy your retirement. Get peace of mind that you’re doing the right things now to set yourself up for a comfortable future.
For many people, they start to think about retirement financial planning in their thirties or forties. This is a good time to get started, as it’s a formative period in building your wealth, when you’re aiming towards a higher income. You’re also in a good spot where you can make robust long-term decisions.
Ultimately, the longer it takes for you to get onto your retirement planning, the less time you have to make these big decisions, or make adjustments to your plans.
So if you haven’t started planning for your retirement, the best time to start is now.
The good news is that if you’re an employee of a business, then your employer is already making regular contributions to your super account, which makes retirement planning in Australia a lot easier.
Putting robust retirement planning strategies into practice during the early years of your career progression gives you more opportunity to meet your retirement savings goals.
Retirement looks different for everyone, and what one person needs to retire comfortably may not be right for you.
Rather than a set figure, retirement planning is about achieving financial freedom. The ability to choose if you work, and how often you work. For those that love their job, they might not necessarily want to stop working just because they reach preservation age. For others, they can’t wait to cross that line and take the next step into retirement.
The key to working out when you should retire is ensuring you have the power to make the choice yourself. And the way to do this is through financial modelling.
At Liston Newton Advisory, we help our clients by starting with the end in mind. We determine how much money you want to spend each year once you reach preservation age, and work backwards from there. We determine what amount of money needs to be invested, now what investments should be made, and the return these investments need to make.
This ensures you’re doing everything you can to work towards your financial freedom—however that looks for you.
Typically, financial advisers will suggest that it’s safest to have an annual figure of approximately 66% - 80% of your pre-retirement income in order to retire comfortably. This enables you to continue living the lifestyle you’re used to, while still enjoying your retirement.
This assumes that you’re reasonably debt-free, without any mortgage or superannuation payments hanging over your head.
As a rule of thumb, the following figures have been suggested as a rough guide for your retirement planning in Australia. When retiring, you’ll need approximately:
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