Retirement Program: For the Self Employed
Newcastle Advisors Retirement Program for The Self Employed
After 15 years of providing financial advice to Australians, we have found that many self employed workers run the risk of not having enough savings to enjoy a comfortable lifestyle in retirement. Many are so involved with their business, that they have little to no time to focus on themselves & their financial future. They understand their profession & are experts in their fields, yet do not know where to start when it comes to planning their retirement.
We have seen many people that don’t believe in the superannuation system or state that their business is their super & they will sell it when they retire. However, succession planning can come with it’s own complications.
The following stats outline the gap many self employed people face:
25% of self-employed workers don’t have any super
The average super balance of a 60 year old self employed worker is $129,000, whilst for someone who is employed the balance is much higher at $288,000.
We continue to see similar themes of people aged between 57-61 who come to us for financial advice.
They have superannuation balances under $300,000
They have a mortgage of approximately $300,000
They are looking to retire in the next 5 years
They do not have a plan as to how they will repay their mortgage & generate an income once retired.
We have put together a program that supports self employed people who are looking at retiring.
Our Newcastle financial planners tackle each of these questions, putting together a personalised blueprint to ensure you retire on your terms.
To qualify for the program, you will need to be:
Self employed
Aged between 57-61
Looking to retire in the next 5 years
Still have a mortgage
Have little to no super
We are looking for 6 people that are self employed, who are looking to take control of their financial future & retire on their terms.
Case Study One:
Peter & Emma are both 61 years of age.
They own a concrete business, with Peter employing 15 people full time & Emma looking after the accounts.
Unfortunately 5 years ago they purchased a forklift business & went bankrupt.
Their accountant for the past 15 years had provided the due diligence & didn’t pick up that the financial records did not match the bank statements. There were two sets of accounts. They lost their home, cars & “superannuation”. Their accountant had recommended that they establish a CBA savings account & call it superannuation. They had over $250,000 in this retirement savings account. However, this account was a regular savings account that was not protected from bankruptcy.
Over the past few years they have slowly started to build up their lives again.
Coming into retirement, with no home, no savings & minimum superannuation benefits they are questioning what is next & how long they will need to work for.
Through our “Retirement Program”, our financial planners were able to establish a financial plan that outlined the steps they need to undertake to ensure they:
Retire in 6 years
Have a $600,000 unencumbered home
Enjoy $1,000 per week in retirement
We did not only provide Peter & Emma with the confidence & peace of mind with their retirement plan, we also managed the following:
Save $15,000 p.a. in insurance premiums
Save $4,600 p.a. in tax savings
*names changed to protect clients
Case Study Two:
Tim & Anna are both 58 years of age.
They own a trades service business, with Tim employing 4 people full time & Anna looking after the retail shop & accounts.
5 years ago they had a sea change & moved to Newcastle. Without knowing to many people, they established their trades service business.
Raising 4 kids & being self employed, their focus has been always somewhere else. As all their kids have now grown up & moved out, the focus is starting to shift onto themselves & what retirement looks like for them.
Coming into retirement, they have a $300,000 mortgage, $100,000 business debt, with $300,000 in superannuation benefits they are questioning what is next & how long they will need to work for.
Through our “Retirement Program”, our financial planners were able to establish a financial plan that outlined the steps they need to undertake to ensure they:
Retire in 5 years
Have a $1,000,000 home unencumbered
Enjoy $1,000 per week in retirement
We did not only provide Tim & Anna with the confidence & peace of mind with their retirement plan, we also managed the following:
Save $4,000 p.a. in insurance premiums
Save $1,000 p.a. in superannuation fees
Save $10,000 p.a. in tax savings
Repay mortgage
Repay business loan
*names changed to protect clients
We only accept 5 new clients per month into our ‘Retirement Program’ as we like to ensure that our clients are getting our full undivided attention. As of right now, we only have a few more spots left for the month.
The first step is to schedule your free consultation on this page & begin the application process.
Next, after you’ve scheduled your consultation & submitted your application, we will contact you. Be sure to schedule as early as possible to increase your chances of filling up one of the last few spots. In addition, be sure to pick up when we call to avoid disappointment.
Finally, if we are a match for you & you are a match for us (& if we still have spots available at the time of our call), we will be more than happy to accept you as a client & begin the process of helping you secure your financial future.
As of right now, we currently have just a few more spots open as we only work with 5 new clients per month. If by chance all the spots are taken by the time we contact you, we will be more than happy to put your name on the waiting list.
Our Newcastle financial planners also have offices in Sydney and help clients across the local areas including Newcastle Financial Planning(Merewether financial planning, The Junction financial planning, The Hill financial planning, Bar Beach financial planning, Newcastle West financial planning, Hamilton financial planning, Adamstown financial planning, Redhead financial planning, Whitebridge financial planning, Kotara financial planning, New Lambton financial planning, Mayfield financial planning), Maitland Financial Planning (Morpeth financial planning, Lorn financial planning, Rutherford financial planning, Aberglasslyn financial planning, Metford financial planning, Beresfied financial planning), The bay (Medowie financial planning, Fern Bay financial planning, Fullerton Cove financial planning, Anna Bay financial planning, Nelson Bay financial planning, Shoal Bay financial planning, Tea Gardens financial planning, Hawks Nest financial planning), Lake Macquarie Financial Planning (Cardiff NSW financial planning, Glendale financial planning, Speers Point financial planning, Fennell Bay financial planning, Bolton Point financial planning, Coal Point financial planning, Toronto financial planning, Valentine financial planning, Belmont financial planning, Eleebana financial planning, Warners Bay financial planning, Caves Beach financial planning), Hunter Valley Financial Planning (Muswellbrook financial planning, Scone financial planning, Pokolbin financial planning, Cessnock financial planning, Singleton financial planning, Broke financial planning, Rothbury financial planning), Central Coast Financial Planning (The Entrance financial planning, Bateau Bay financial planning, Berkeley Vale financial planning, Tuggerah financial planning, Wamberal financial planning, Terrigal financial planning, Erina financial planning, Avoca financial planning, Gosford financial planning, Woy Woy financial planning, Picketts Valley financial planning) & Sydney Financial Planning (Castle Hill Financial Planning, Rouse Hill Financial Planning, Dulwich Hill financial planning).
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