Page 6 - Wealth-Adviser-Issue-122 (FWP)

ISSUE 122
OCTOBER 2025

Successful retirement planning now means looking beyond

the numbers to the heart of what makes later life meaningful:

connection, curiosity, and contribution. Early and open

conversations about goals, challenges, and expectations are

essential—within families, with advisers, and with employers.

mortgage or rent to pay in retirement. have in crafting a secure, resilient, and deeply rewarding
• Maintaining diversified income streams—mixing super- next chapter.
annuation, age pension, investment income, part-time
work, and other sources.
• Engaging in regular financial check-ins and scenario plan- References
ning, especially as circumstances and markets change. • “Why a traditional retirement may be pushed back 25 years,” Firstlinks,
interview transcript, 2 October 2025.
Conclusion: Towards a New Retirement • “Retirement age rises as older Australians keep working,” KPMG
Narrative for Australians Australia, 18 September 2025.
The transformation of retirement in Australia reflects • “Why we’re retiring five years later — and the ‘big problem’ behind the
broader social, economic, and philosophical shifts. The shift,” SBS News, 18 September 2025.
sharp boundary between work and retirement is dissolving, • “Retirement philosophies,” FS Advice, 2025.
making way for more flexible, purposeful, and individual- • “Workforce age discrimination and what it means for your super,”
ised pathways. Ageism and rising costs remain barriers, but SuperGuide, 4 June 2024.
for those willing to adapt, opportunities abound. • “Job-hunting seniors face ageism barrier,” National Seniors Australia, 7
Successful retirement planning now means looking August 2025.
beyond the numbers to the heart of what makes later • “Towards a retirement income philosophy,” Firstlinks, 23 February 2025.
life meaningful: connection, curiosity, and contribution. • “Retirement income expectations hit new highs,” Firstlinks, 23
Early and open conversations about goals, challenges, and September 2025.
expectations are essential—within families, with advisers, • “Retirement revolution: Super’s coming of age,” Super Members
and with employers. A strong advice relationship, informed Council, August 2025.
by up-to-date research and a holistic approach to identity • “Rethinking Retirement Report 2025,” Colonial First State, August
and purpose, is perhaps the most powerful tool Australians 2025.

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