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How to Reduce Stress in your Retirement Part 3

Posted by Pacesetter Financial Services

Financial Planning for your Retirement That Puts You First
If you don't plan for your retirement, you run the real risk of finding out too late that you can no longer afford to live the way you did before you retired. On the other hand, financial planning gives you control, and the opportunity to find out how to capitalise on, or improve, your financial position come retirement. Making well-considered decisions now will likely mean that you won’t need to rely on a limited age pension. Read More


How to Reduce Stress in your Retirement Part 2

Posted by Pacesetter Financial Services

Retirement Income Streams
Where will your income come from once you stop working?
If you're struggling to answer this question, it's time to seek our advice to help you plan towards the retirement lifestyle of your choice. The fact is, your income during retirement is likely to come from more than one source and will most likely vary over time, depending on market conditions, investment strategy and your individual circumstances. Planning is vital to be able to create adequate income for this important stage of your life. Read More


How to Reduce Stress in your Retirement Part 1

Posted by Pacesetter Financial Services

Retirement Living Costs
Retiring means beginning a phase of life that brings significant change. If you are financially prepared, it can be a really interesting and satisfying time of life. If you are not, it could be stressful and frustrating. We urge you to begin 2017 with this achievable New Year’s resolution: Focus on financial planning for your retirement. Read More


Housing Affordability puts Home Ownership out of Reach... Or does it?

Posted by Pacesetter Financial Services

Housing affordability is a problem for many Australians, and Governments at all levels don’t seem to have any answers. There wasn’t a single recommendation in the 56-page report from the 2016 House of Reps inquiry into housing affordability, so we obviously can’t rely on Government intervention to manage escalating housing costs. But there is good news if you are prepared to be proactive. As long as you have certain fundamental financial habits in place, home ownership is achievable, particularly so if family members can assist you. Read More


What makes Pacesetter different? Our client-first approach & commitment to core values.

Posted by Pacesetter Financial Services

We recently heard about a man who took an unsolicited call from a financial adviser and, after a brief phone call, agreed to be flown to Sydney. There he was told how quickly he would reach his financial goals if he only bought an investment property. Following a fine meal overlooking the Harbour, he signed up. Needless to say, the advice was terrible: it didn’t account for the man’s personal circumstances or long-term goals, and it’s likely that the same advice was offered to everyone else at the event. Luckily, the man was able to withdraw his commitment without penalty, but the consequences could have been disastrous.  Read More


Financial Planning for Seniors

Posted by Pacesetter Financial Services

While our learning and problem-solving capacity peak when we are just 20, our financial decision-making peaks in our early 60s. From our late 60s onwards, we experience gradual cognitive decline, including our ability to understand complex financial concepts and make sound financial decisions. This means that senior Australians seeking financial advice may not have the cognitive abilities they need (and once enjoyed). If they are not aware of this fact, they can be extremely vulnerable. Below, we outline three ways to prepare for making important financial decisions in later life – for yourself or for an ageing family member. Read More


How bright is your future looking?

Posted by Pacesetter Financial Services

If you are a Gen X or Gen Y sandwiched in between the Baby Boomers and the Millenniums, your focus today could be on funding mortgage repayments and/or your kids’ education. Read More



1 in 2 Australians may die without an adequate Estate plan

Posted by Pacesetter Financial Services

It’s estimated that nearly half of all Australians will die without a Will¹, the central tool required for planning an Estate. Here at Pacesetter Financial Services we fear the potential ramifications of this trend for those left behind. Read More