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ISSUE 121                                                                               SEPTEMBER 2025






























             BREAKING THE CHAINS




                      PRACTICAL STEPS TO ELIMINATE

                             DEBT BEFORE RETIREMENT                                                                    depositphotos.com



                                    BY WEALTH ADVISER

        INSIDE                      Introduction: The Impact of Debt on Retirement Wellbeing
                                       For many Australians, the vision of retirement conjures up images of relaxation, free-
        1   Breaking the Chains: Practical   dom, and well-earned peace of mind. Yet, for an increasing number of retirees, the reality
           Steps to Eliminate Debt Before   includes an unwelcome companion: debt. While many Aussies will carry some debt into
           Retirement
                                    retirement, the good news is, there are a number of things you could do now while you’ve
        4   Rethinking Retirement:    still got time on your side and earning an income. The growing prevalence of retirees car-
           How Much Is Enough for    rying mortgages, personal loans, or credit cards into retirement is a pressing concern, often
           a Fulfilling Future?
                                    leading to stress, reduced lifestyle choices, and even the necessity to delay retirement itself.
        7   Navigating Deeming Rates:   Recent research confirms this trend: 28% of Australians approaching retirement (aged
           Strategies for Building Wealth   50 to 64) hold a mortgage, while 14% of current retirees still have mortgage debt. The
           and Security in Retirement
                                    psychological and practical implications are significant. As one expert notes, a lot of us get
        10  Q&A: Ask a Question     caught up in the day-to-day, and don’t set aside the time to plan for retirement properly – so

         BEFORE YOU GET STARTED
            This Wealth Adviser publication is published by Wealth Today Pty Ltd   Information in this document is no substitute for professional financial
         (AFSL 340289), Sentry Advice Pty Ltd (AFSL 227748), Synchron Advice   advice.
         Pty Ltd (AFSL 243313) and Millennium3 Financial Services Pty Ltd (AFSL   We encourage you to seek professional financial advice before making any
         244252) and contains general and factual information only.  investment or financial decisions.
           Before acting on any information contained herein you should consider if   In any circumstance, before investing in any financial product you should
         it is suitable for you. You should also consider consulting a suitably qualified   obtain and read a Product Disclosure Statement and consider whether it is
         financial, tax and/or legal adviser.                   appropriate for your objectives, situation and needs.
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