Advice for your
life stage

There are key moments in life when advice is critical and as you go through major life changes, like promotion or redundancy, retirement and ageing, we have specialists to help you adapt and achieve what’s most important to you.

ADVICE FOR PROFESSIONALS

Getting to where you are now is the result of making good decisions and we all know those decisions haven't been based on luck; they're the result of having the right information and seeking good advice.

Our advisers have access to Mercer’s global investment team, and research hundreds of investment options to help you  make the informed decisions,  to stay ahead of the pack and take control of your tomorrow, today.

Strategies for professionals may include:

• Lending
• Tax structures to maximise wealth 
• Access to Mercer’s world-class investments
• Retirement income strategies
• Protecting your wealth
• Estate planning
• Structuring your super or SMSF.

Speak to an adviser today - call 1800 682 525.

TAKE ADVANTAGE OF REDUNDANCY

Being made redundant can be daunting and there are things you need to sort out quickly, some of it quite complex.

They often also present unexpected opportunities on the horizon. Mercer financial advisers can review your situation and keep your goals on track, including helping you understand how your redundancy package can be used or impacts your entitlements.

RETIRE YOUR WAY

You’ve got many retirement options available to you – make sure you do it your way.

We can help you set realistic retirement goals and put a plan in place to achieve them, including optimising super, structuring your super income , shares and rental properties, setting up a pension and understanding your age pension entitlements.

Better yet, Mercer Super customers can call us for general advice about super.

TRANSITION TO RETIREMENT

A 'Transition to Retirement' (TTR) account-based pension can allow you to access your super while you're still working, full time or part time.  The eligibility age for Transition to Retirement pensions recently increased to 56 years.

If you turned 55 before 1 July 2015 you can start a TTR. If you turn 56 anytime from July 1 2016 you will be able to start a TTR from your 56th birthday.

Three strategies to consider

1. Less work, same income
2. More super, less tax
3. Pay your home loan off sooner

It's something of a balancing act that needs your employer's approval and awareness of legislative changes but has great potential to optimise your super in the years leading into retirement.

PLAN FOR AGED CARE

You and your family deserve to age well. Mercer's Aged Care Advice service provides families with a unique offering designed to help you and your family:

• Understand the available types and levels of care
• Identify options to suit your family
• Structure your finances and establish a path to follow with confidence
• Understand the impact on your estate
• Navigate Centrelink and the Department of Veterans' Affairs

We also offer a placement service in partnership with Equity Trustees which will help source the best accommodation and medical care to meet your needs. The service includes site tours, the negotiation of fees and help with the paperwork.

Estate planning

Moving into care can require a restructure of assets and may impact on estate planning.

Your Mercer financial adviser can identify implications for your estate and non-estate assets like super, helping avoid any unintended consequences. We can also assist you to work with your family or refer you to a qualified professional to help ensure that what you want is what happens.

Speak to an adviser today - call 1800 682 525.

Important notice: The Federal Government has introduced a number of changes to the rules and strategies outlined on this page. For more information, read our latest news on Transition to Retirement.