Prepared for Shane Mitchell
Deliverables below
Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
When you picture retirement, what would you do on an ordinary Tuesday?
It's easy to imagine the holiday you've been looking forward to. But most of retirement will happen between holidays.
Maybe you'd like to collect the grandkids from school, spend more time outside or finally join the class you can never get to while working. You might want a busy week. Or you might be looking forward to having less in the diary.
Those details help you work out what you're saving for. They also raise practical questions about where you'll live, how you'll get around and what you'll spend regularly.
At Inspired Money, we begin retirement planning by understanding the life you'd like to have. Then we look at the finances and habits that could help you work towards it.
Click the link to find out how we can help you plan for your everyday life in retirement.
Have you ever looked up how much you need to retire, then checked your super balance and felt worse?
A general target can give you something to compare with. It can't tell you whether that amount suits your life.
Someone who owns their home and wants to stay close to family may have different costs from someone who's still paying rent and planning regular overseas trips.
So before treating a published figure as your target, you need to understand the spending behind your own plans. That includes the ordinary costs that keep coming, as well as the larger things you're hoping to do.
Inspired Money helps you work through your retirement goals alongside your finances. We can look at what you'd need to fund and how your super and other savings fit into that picture.
For help planning around your own circumstances, click the link. You can start with a free consultation.
Partner A: Have you thought any more about when you'd like to retire?
Partner B: I keep putting it off. I'm worried we'll find out we can't afford it.
Partner A: But what are you basing that on? We haven't actually worked it out yet.
Partner B: I'm mostly going by the super balance, and I have no idea how long it would last.
Partner A: Neither do I. We'd need to know what we'd be spending first, wouldn't we?
Partner B: Yes, and what happens if one of us wants to finish before the other.
Partner A: That's something we could ask about. We don't have to decide our retirement dates before getting help.
Narrator: At Inspired Money, you can start with a free consultation to discuss your situation and what you'd like help with. A retirement plan takes a closer look at your finances, but you can make that first enquiry while you still have questions.
Narrator: If you've been putting off asking about retirement, click the link to get in touch.
You were planning to keep working a while longer. Now a parent needs more help, and you're considering taking time off.
That can change your retirement plans before you've had much time to think about the money.
Less income may mean using savings sooner than expected. There may also be extra travel or care costs. Even if the change is temporary, it's worth looking at how you'd cover that period and what it would leave for later.
Inspired Money helps you revisit your retirement plans when your circumstances change. We look at your goals, spending and available money, then discuss which assumptions need updating and what choices you could consider.
A review can't remove the uncertainty about what happens next. It can help you see the financial effect of the choices you're facing now.
To find out how we can help you review a change in your plans, click the link.
Do you make a big effort to save for retirement, then find yourself taking the money back out of your savings account?
Perhaps you set the amount when it was a quiet month. Then the car needs work, an annual bill arrives and the money you thought you could leave alone is needed elsewhere.
That doesn't necessarily mean you're careless with money. The amount you planned to save may not allow for how your spending varies.
At Inspired Money, retirement planning includes how you manage money day to day. Before discussing changes to your super or investments, we look at your goals and what your budget can realistically support.
The aim is to work out a savings approach you can keep following, with room for costs you know will come around, even if they don't happen every month.
Click the link to arrange a free consultation about planning for retirement in a way you can manage now.
Picture a normal Tuesday in retirement.
Ask where you wake up, who's around and what you do with the day.
Most retirement planning starts with a number, but it can't tell you whether you want to travel, stay in the family home, help the kids or spend more time outside.
That's why Inspired Money starts with the life you want. Once that picture is clear, the money has a job.
If you want help turning that picture into a practical retirement plan, fill in the short form below. Depending on your situation, you may be invited to book a free call with the Inspired Money team.
A generic target can be useful as a reference. It still can't tell you what enough means in your life.
Your spending, home, family plans, work timeline, super and investments all shape the answer. A useful plan brings those parts into the same conversation.
It also needs room for changes in health, family needs, work and markets.
You can see where the plan may come under pressure and which decisions deserve attention without pretending every surprise is predictable.
Inspired Money combines financial planning with an understanding of behaviour. The team helps clients understand the strategies available, put suitable decisions into action and review the plan as life changes.
Inspired Money publishes retirement planning, superannuation, investment and cash-flow services. Your situation shapes the right scope, so the call doesn't begin with a pre-set answer.
You don't need a perfect spreadsheet before you speak with someone.
Bring the question that keeps coming up. It might be when work can become optional, whether your super supports the life you want or what deserves attention now.
The question worth bringing to the call is what enough means for the life you actually want to live. You don't need to turn it into a technical brief before you ask it. A useful starting point is the decision in front of you, the time you have to make it and the parts of your financial position that may be affected.
The review should also leave room for different paths. You may keep working for longer, reduce your hours, change how you invest, help family or adjust what you expect to spend. No projection can predict every future event. Making the assumptions visible helps you see what would need to change if your priorities changed.
It's reasonable to ask what the advice process includes, what information the team needs and how recommendations are explained. You can ask how the proposed work relates to advice you already receive, whether your accountant or solicitor remains involved and what the fees would apply to. Ask those questions during your first planning discussion before you decide whether to proceed.
That first planning discussion can also separate decisions that need action now from decisions that can wait. If every issue is treated as urgent, a plan can't give you a useful order of priorities. A clear plan gives you a way to prioritise, revisit assumptions and understand what the next review is meant to answer.
It should leave you with a better question if the first question turns out to be too broad. That's still progress, because the next decision can be made with a clearer view of the information it actually needs.
You may also wonder whether advice is useful when you already have a super fund, investments or a plan of your own. That depends on the gaps in the current picture. The useful work may be checking whether the arrangements still match the goal, or understanding a decision you've been putting off. You might find that no further work is needed yet. A proper conversation should make that clearer.
The right fit is someone who wants the relevant decisions explained clearly and is prepared to share enough information for the advice to be personal. It won't suit someone looking for a guaranteed return, a product chosen before the circumstances are understood or a financial outcome that no adviser can promise.
If this is the question you want to work through, complete the form below this video and answer it as accurately as you can. Your answers help the team understand what you would like to discuss and whether they can help. Depending on your situation, you may be invited to book a free call with Inspired Money.
General information only. Personal advice depends on your objectives, financial situation and needs.
Thanks for booking a call with Inspired Money.
You don't need to prepare a perfect financial plan before the call. Bring the retirement question that's been sitting in the back of your mind.
The team will start with the life you want, look at your current position and work out what deserves a closer look.
Before the call, picture a normal Tuesday in retirement.
Write down where you are, who's around and what you're doing that afternoon, then add a few specific details. That picture gives the money conversation something real to support.
If you have recent super statements, a rough view of spending and a list of major assets or debts, keep them nearby.
Rough numbers are fine for the call. The goal is to understand the question and decide what information would actually be useful next.
You may be unsure whether you have enough, when work can become optional or how the plan copes when life changes.
Say the worry plainly. A clear question is much easier to work with than a pile of documents and no direction.
The call is a chance to understand your goals, your current position and whether Inspired Money may be able to help.
If a deeper advice process makes sense, the team can explain the scope and next steps. You can decide from there without pretending every answer is already known.
Start with the retirement question on your mind
Preview: You don't need a finished plan before the call.
Send: Immediately after booking
Hi there,
Thanks for booking a free initial consultation with Inspired Money.
Before the call, write down the one retirement question you most want to understand. It might be whether your super supports the life you want, when work could become optional or what deserves attention now.
You don't need a polished brief. Bring the question as it comes.
Kind regards,
Inspired Money
What does a normal Tuesday in retirement look like?
Preview: Give the money conversation a real life to support.
Send: Day 1, morning
Hi there,
Picture an ordinary Tuesday after work is optional.
Write down where you wake up, who's around and what fills the afternoon, then add a few details. That picture is more useful than saying you want to retire comfortably, because it gives your spending, super and timing decisions a clear job.
Kind regards,
Inspired Money
Rough numbers are enough to begin
Preview: Bring what you already have and leave the perfect spreadsheet alone.
Send: Day 1, afternoon
Hi there,
If you have recent super statements, a rough view of household spending and a list of major assets or debts, keep them nearby.
They don't need to be organised into a perfect model. The call is a place to clarify the question and work out what information would actually help next.
Kind regards,
Inspired Money
What could put pressure on the plan?
Preview: A useful retirement plan needs room for life to change.
Send: Day 2, morning
Hi there,
Think about the changes that would most affect your retirement plan.
Consider whether work could finish earlier, family may need help, you might move home or a health or lifestyle cost deserves more room.
You don't need to predict every surprise. Naming the important ones makes the call more useful.
Kind regards,
Inspired Money
Bring one sentence to the call
Preview: A clear question is the best place to start.
Send: The day before the consultation
Hi there,
Before the call, finish this sentence: I want to understand...
Keep it specific. For example, I want to understand what our super can support if we stop work in the next few years.
That's enough to start the call.
See you soon,
Inspired Money
What's your retirement number meant to fund?
Preview: A target becomes useful when it's tied to a real life.
Hi there,
A retirement target on a calculator can be a useful reference, but it still needs a job. The money may need to fund annual travel, staying in the family home, helping the kids or more time outside with fewer fixed commitments.
Describe the life first. Then the number has something personal to answer.
Kind regards,
Inspired Money
Picture a normal Tuesday after work
Preview: The ordinary days tell you more than the retirement highlight reel.
Hi there,
It's easy to picture the big retirement trip. Try picturing an ordinary Tuesday instead.
Think about where you're living, who you see, how the morning feels and what a comfortable week actually costs.
The ordinary day is where a retirement plan becomes real.
Kind regards,
Inspired Money
I hope my super is enough
Preview: Turn the thought into questions you can answer.
Hi there,
Many people reach their fifties with the same thought: I hope my super is enough.
There's nothing wrong with starting there. The useful move is to turn hoping into questions.
Define the life you want, estimate what it may cost, check what your current position supports and identify what deserves attention while you still have time and choices.
Kind regards,
Inspired Money
A plan should survive more than the best case
Preview: Retirement planning needs room for family, work and health to change.
Hi there,
Life rarely follows the clean line in a spreadsheet.
Work, family, health and housing can all change the plan.
A useful plan looks at those pressure points before they become urgent. It doesn't predict every surprise, but it can show you the choices available if something changes.
Kind regards,
Inspired Money
Your super balance can't choose your retirement
Preview: The account is one tool inside a wider life decision.
Hi there,
Your super balance is useful, but it can't tell you where to live, how to spend your week or when work should become optional.
Those are life decisions. Super, investments, spending and timing need to support them.
If you want help connecting those questions, Inspired Money offers a free initial consultation.
This email contains general information only.
Kind regards,
Inspired Money
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