Embrace Your Time

Unlocking the Power of Retirement

Step into a world where possibilities know no bounds, where every day is a canvas for new experiences and meaningful connections. Retirement is not simply a destination; it is an extraordinary chapter of life waiting to be explored.

At Centaur Financial Services, we empower you to seize this moment, guiding you towards a retirement filled with purpose, joy, and financial confidence. Our comprehensive expertise and personalised strategies ensure that your retirement journey becomes a remarkable tapestry of fulfilment and dreams come true.

Discover how Centaur Financial Services can transform your retirement vision into a concrete plan. Contact us today to embark on a journey towards a fulfilling retirement that exceeds your expectations.

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Our Approach

We’re by your side to bring you the right financial advice during retirement.

Our retirement advisers will take the time to get to understand your wishes in relation to how your wealth is passed on. While getting the legalities in place with a will is a good starting point for estate planning, with considerable sums of money looking to be passed down, getting your investments set up in a tax-effective way can be important too.

Having a plan on how and when your assets are transferred and discussing the plan with the beneficiaries can ensure all parties involved understand your intentions and the process.

There is no one-size-fits-all approach to wealth transfer as all families are different. We’ll work with you to prepare a well-integrated plan to ensure a successful transfer of wealth between generations.

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Empowering Your Retirement Journey

Unleashing the Power of Retirement Planning

Embark on a fulfilling retirement journey by harnessing the power of strategic financial planning, secure investments, and tailored wealth transfer strategies. Discover how our comprehensive approach can help you achieve your retirement aspirations, maximise tax efficiency, and unlock additional benefits that come with expert financial planning in this transformative stage of life.

Embrace the golden years as an opportunity to indulge in special hobbies, travel the world, strengthen family bonds, and secure your financial legacy.

As you embark on this transformative journey, consider key priorities such as safeguarding assets, preserving capital, ensuring healthcare and aged care plans, exploring new horizons through travel or purchasing a caravan, implementing inheritance tax mitigation strategies, facilitating meaningful gifts to your loved ones, and crafting a comprehensive estate plan.

Retirement is a time to relax and enjoy life. But it’s also a time to think about your financial future. Here are some things you may want to consider:

  • Protecting your assets: Make sure your assets are protected from creditors and other risks.
  • Preserving your capital: Make sure your money grows over time so you can enjoy a comfortable retirement.
  • Healthcare: Make sure you have adequate health insurance coverage.
  • Aged care planning: Make sure you have a plan for long-term care if needed.
  • Travelling: Make sure you have enough money saved for travel.
  • Buying a caravan: If you want to travel in a caravan, save enough money for a down payment and ongoing expenses.
  • Inheritance tax mitigation: Ensure you understand your country’s inheritance tax laws and how they could affect your estate.
  • Gifting to family: If you want to give money or assets to your family, ensure you do it in a way that minimizes taxes.
  • Estate planning: Make sure you have a will in place and that your estate is planned in accordance with your wishes.

At Centaur Financial Services, we are dedicated to helping you achieve your retirement aspirations, unlocking the full potential of this remarkable phase of life. With clients on the Gold Coast, Brisbane, Sydney, and Melbourne, we can help you wherever you you may be positioned.

We believe everyone deserves a financial plan that is regularly monitored and reviewed to help fund their retirement needs and achieve their retirement aspirations.

People get their income in retirement from:

Our role is to assist you in building and understanding how your financial resources will provide for you after you’ve received your last paycheck. We do this by developing a financial plan that takes advantage of the generous tax concessions available.

Our retirement advisers help structure your investments tax-effectively, enabling your portfolio not to rely on the share market’s ups and downs. We’ll also assist you with understanding and planning for any Centrelink benefits that could be available.

At this stage in your life, you want a steady income that provides you with the desired lifestyle. But at the same time, preserving your capital so it lasts your lifetime is just as important. Our retirement advisers work with you to determine the best approach for achieving each outcome.

Then you want to ensure the wealth you have built for yourself over a lifetime can be passed down to your children or grandchildren effectively.

Our retirement advisers will take the time to get to understand your wishes in relation to how your wealth is passed on. While getting the legalities in place with a will is a good starting point for estate planning, with considerable sums of money looking to be passed down, getting your investments set up in a tax-effective way can be important too.

Having a plan on how and when your assets are transferred and discussing the plan with the beneficiaries can ensure all parties involved understand your intentions and the process.

There is no one-size-fits-all approach to wealth transfer, as all families are different. We’ll work with you to prepare a well-integrated plan to ensure a successful transfer of wealth between generations.

By engaging in retirement financial planning, you can unlock many benefits beyond securing a comfortable retirement.

Understanding your retirement income

We’ll work with you to provide clarity and confidence around where your retirement income comes from and ensure you can achieve a comfortable retirement lifestyle.

Using pensions effectively

We’ll determine what you’re entitled to and how you can structure your assets and investments to maximise your tax-complimentary income.

Transferring wealth to the next generation

Putting a plan in place for how and when your assets are transferred to your beneficiaries. As well as ensuring all parties involved understand your intentions and the process.

Preserve your capital

Ensuring you have enough retirement funds to last well into old age is important. At this time in your life, preserving your capital can also help act as a buffer during economic downturns.

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ebook checklist

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The “Rich” Retirement Blueprint and Checklist

If retirement is on the horizon, this informative blueprint and practical checklist will help you think through the crucial money and life decisions you face as you prepare for life’s next adventure.

  • Understand the three big retirement risks
  • Plan ahead to avoid the emotional rollercoaster
  • Structure your retirement savings to last the distance

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Are you ready to embark on a fulfilling retirement journey?

At Centaur Financial Services, we specialise in comprehensive retirement planning. Our team of experienced financial advisors is dedicated to understanding your goals and crafting a personalized plan tailored to your needs.

Don’t leave your retirement to chance. Take control of your financial future today. Contact us to schedule a consultation and discover how our expertise can help you navigate the complexities of retirement planning with confidence and peace of mind.

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