Author Archive | Don Ezra

tax-free super

Five financial stages in everyone’s life

It is useful to think of your financial life and psychological adjustment in five stages: a family and career phase, pre-retirement, close to retirement, just past retirement, and then lifestyle downsizing.

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Talk to your family about ageing and your will

Retirees should discuss goals and plans with their adult children, including wills, finances, consequences of incapacitation and current plans. Includes a suggested ‘Goals and Plans’ document to kick off the conversation.

financial goals decumulation

Three major financial goals after retirement

Most people in retirement will have three financial goals in the decumulation stage to take account of the uncertainty of health, longevity and markets, and here’s a framework to help.

glide path

The glide from youth into life after work

Take investment risk in the early years when there is little financial capital at stake and lots of future earning potential, and follow a sort of glide path to reduce exposure to risk later in life.