Prepared for Paul Shepherd
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Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
If you stopped working, how much could you actually spend each month?
You might have a good idea of your super balance after years of adding to it. Then retirement gets closer and you start wondering how long that money needs to last.
Your everyday bills give you somewhere to start. But you'll probably want to do a few things you haven't had time for while working. A longer holiday, perhaps. And sooner or later, the car or something around the house will need replacing.
All of that affects what you'll need from your money.
At Alman Partners, we help you work through those costs alongside your super and other investments, so you can understand what your savings could support before you decide to retire.
Click the link to find out how we can help you plan your retirement spending.
You'd like to go part-time before you retire. How do you work out whether you can afford it?
You can ask what your new take-home pay would be and compare that with what you're spending now.
If there's a gap, you might be thinking about using some savings to cover it. Then you need to look further ahead. How much would that leave for when you stop working altogether?
One decision about your working week starts to affect several parts of your finances.
At Alman Partners, we look at your retirement plans alongside your super and other investments. If a decision needs input from your accountant, we work with them too.
So before you agree to fewer hours, you can look at how you'd cover your spending now and what you'd have left for later. We can help you work through that.
If you're thinking about cutting back at work, click the link.
Partner A: When we retire, I'd love to take off for a few months.
Partner B: A few months? I thought we were talking about a holiday.
Partner A: Well, we won't have to be back for work.
Partner B: I know, but I'd miss seeing the grandkids. I'd want to be home for the school holidays.
Partner A: We could go between school holidays. I'd just like enough time to enjoy it without rushing home.
Partner B: So would I. I just don't want to spend so much on travelling that we have to watch every dollar when we're back.
Partner A: I hadn't thought about that. We should work out what we'd want to spend at home as well.
Narrator: You can both want to retire and have quite different ideas about how you'll spend your time. At Alman Partners, we help you talk through what each of you wants and work out what that means for your finances. Your retirement plan needs to take both of you into account.
Narrator: To find out how we can help you plan for the retirement you both want, click the link.
You've been getting ready to retire, then the share market has a bad week. And you start questioning whether retiring is still a good idea.
The effect on your retirement depends on how much you have available after the fall and what you're expecting to spend. We'd also look at when you'll need to start using those savings before discussing a change to your plans.
At Alman Partners, our investment approach is based on research and diversification. That means spreading investments across different types of assets. Their values can still fall, so understanding how much risk you're comfortable taking is part of our work with you too.
For help reviewing your retirement plans after a market fall, click the link.
Thinking about retirement advice, but not sure what you'd be signing up for?
You might have one question that's been on your mind for a while, like whether you could afford to stop working. And you'd like to know what's involved in getting an answer.
At Alman Partners, you start by leaving your contact details. You'll speak with a senior member of our team before you're invited to a Discovery Meeting.
That meeting is a paid appointment to discuss your goals and finances. If you decide to take things further, we'll explain the proposed work and fees for developing your financial plan before you commit to that work.
Click the link and leave your details, and our team will be in touch.
If you're approaching retirement, you need a clear view of what your current wealth may support once work stops.
That means looking at your super, investments, spending and timing together. A balance on its own can't tell you what your week will look like, how often you want to travel or how much flexibility you want to keep for family.
Start with the life you want to fund. Then test your finances against it.
Alman Partners provides comprehensive retirement planning, beginning with your goals and working through how your finances could support them. Fill in the form below this video and answer each question as accurately as you can. The team can then get back to you about your enquiry. An initial call is obligation-free, and depending on your situation, you may be invited to a paid Discovery Meeting.
Retirement decisions overlap. A change to when you stop work can affect cash flow. The way your super and investments are structured can affect how you draw an income. A large purchase or family commitment can change what the plan needs to allow for.
Looking at each decision separately makes it hard to see the trade-offs. A comprehensive plan considers how those decisions affect each other and the retirement you want.
That means understanding your current position, testing reasonable scenarios and knowing which decisions deserve attention now. The assumptions behind a plan need to be clear enough that you can question them.
Alman Partners was established in 1985 and has held its own Australian Financial Services Licence since 2001. Its advisers use an evidence-based investment approach, with financial planning centred on the client's goals.
The initial call gives you a chance to discuss what you're looking for with a senior team member. If you go ahead with a Discovery Meeting, the team will ask you to complete a financial profile beforehand. That information helps the adviser understand your circumstances and discuss possible strategies. The Discovery Meeting has a fee, and you can decide afterwards whether to continue.
If you both decide to proceed to a Concept Meeting, the team researches possible strategies for your situation and explains them to you. You'll also receive a fixed fee quote for developing, presenting and implementing a financial plan. The detailed recommendations come later, if you choose to engage Alman Partners for that work.
During planning, you can explore different paths. You may keep working for longer, reduce your hours, change how you invest, help family or adjust what you expect to spend. No projection can predict every future event. Making the assumptions clear helps you see what would need to change if your priorities changed.
For example, deciding when to retire involves more than choosing a date. You need to consider the spending your savings will need to cover and what income you expect once your salary stops. If you're considering helping family with a large expense, that commitment also needs to be considered alongside your own retirement needs.
You can ask what the proposed advice includes and how it relates to arrangements you already have. If you work with an accountant or solicitor, Alman Partners can collaborate with them where needed. Ask what each fee covers before deciding whether to proceed with that stage of the advice.
A financial plan should help you separate decisions that need action now from decisions that can wait. Once a plan is implemented, ongoing reviews give you a chance to discuss changes in your circumstances and check whether the strategy still fits your goals.
If you already have a super fund, investments or a plan of your own, advice may help you check whether those arrangements still match your retirement goals. You might be considering a specific change, or want to understand how several decisions affect each other. The proposed work needs to address those questions so you can judge whether it's useful to you.
This approach suits people who want their financial decisions explained clearly and are prepared to share enough information for the advice to be personal. It won't suit someone looking for a guaranteed return, a product chosen before their circumstances are understood or a financial outcome that no adviser can promise.
If you'd like to discuss what your wealth may support in retirement, complete the form below this video. Answer each question accurately so the Alman Partners team can get back to you about your situation and explain the next step.
This is general information only. Personal advice depends on your objectives, financial situation and needs.
Thanks for arranging a conversation with Alman Partners.
You don't need to prepare a finished plan before we speak. Bring the retirement question that's been sitting in the back of your mind and a broad picture of where things stand.
We'll talk about the retirement you want, what you want your wealth to support and which decisions deserve a closer look. You'll also receive a few emails before your planning discussion. Keep watching the short videos below because they'll help you get more from our time together.
Before we speak, picture a normal week in retirement.
Think about where you live, how you spend your time and the commitments you want room for. A concrete picture makes it easier to discuss what your super, investments and other resources may need to support.
If you have recent super statements, a rough view of household spending and a list of major assets or debts, keep them nearby.
Rough figures are fine for the call. We'll use them to understand the question and decide what information would be useful next.
Write down the retirement decisions you're weighing up now. Perhaps you're considering when to stop work, how much flexibility to keep or whether a major family or housing commitment fits.
Name the two that seem most connected, because that's usually a useful place to begin.
The initial conversation helps us understand your goals, your current position and the questions you want answered.
If advice may be useful, the team can explain the likely scope and next steps. You can consider that information and decide what you'd like to do.
Bring the retirement question on your mind
Preview: You don't need a finished plan before the call.
Send: Immediately after booking
Hi there,
Thanks for arranging an initial conversation with Alman Partners.
Before we speak, write down the retirement question you most want answered. It may be what your wealth can support, how your super and investments fit together or what needs attention before work stops.
Bring the question as it's. You don't need a polished brief.
Kind regards,
Alman Partners
What would a good retirement week look like?
Preview: Give the financial decisions something real to support.
Send: Day 1, morning
Hi there,
Picture an ordinary week after work.
Note where you live, how you spend your time and the commitments you want room for. Add the things you'd like to do regularly alongside any major trips.
This gives the retirement conversation a practical destination.
Kind regards,
Alman Partners
Rough figures are enough to begin
Preview: Bring what you have and leave the perfect spreadsheet alone.
Send: Day 1, afternoon
Hi there,
If they're easy to find, keep recent super statements, a rough household budget and a list of major assets or debts nearby.
They don't need to be organised into a finished model. The call helps clarify which information would be useful and what should happen next.
Kind regards,
Alman Partners
Which retirement decisions affect each other?
Preview: Super, investments, spending and timing belong in the same picture.
Send: Day 2, morning
Hi there,
Think about the decisions you're currently considering. You might be weighing up when to stop work, how much to spend, a change to your home or support for family.
Write down the two that feel most connected. We'll have a clearer place to begin when we speak.
Kind regards,
Alman Partners
One sentence to bring to your planning discussion
Preview: A direct question gives the meeting a useful start.
Send: The day before your planning discussion
Hi there,
Before we speak, finish this sentence: I want to understand...
Keep it specific. For example, you may want to understand what your current position could support if work stops within the next few years.
One clear sentence is enough to begin.
Kind regards,
Alman Partners
What does your wealth need to support?
Preview: Start with the life, then assess the money.
Hi there,
A super balance or investment total tells you what you've accumulated. It can't describe the life that money needs to support.
Try writing down what a normal retirement week should include. Think about where you want to live, the time you want with family and the activities you want to keep doing. Add the larger commitments you'd like room for over the next few years.
Now look at your wealth beside that picture. Your financial figures have a real question to answer: what can this position reasonably support?
That question is more useful than choosing a target in isolation. It gives spending, super, investments and timing the same destination and makes the trade-offs easier to discuss.
Kind regards,
Alman Partners
Your retirement decisions don't sit alone
Preview: A change to one part can affect the rest.
Hi there,
Your retirement date affects cash flow. Spending choices affect how long your capital needs to work. Super and investments affect where income comes from.
These decisions are often made at different times, yet they keep influencing each other. A decision to work one year longer could change how much you draw from investments. A housing decision could change the income the plan needs to provide.
Put the choices on one page. Note the decision, the reason you're considering it and the other parts of retirement it may affect. You don't need to solve everything in one sitting. The exercise is simply a way to see the connections before you make a move.
Reviewing the decisions against the same goal makes the trade-offs clearer.
Kind regards,
Alman Partners
A retirement plan needs a longer view
Preview: Market news is easier to judge against a clear purpose.
Hi there,
Market headlines can make every movement feel urgent. One week the story is inflation. The next it's interest rates, a company result or a prediction about where markets are heading.
Before reacting, return to the job your investments need to do. Ask when the money may be needed, how much flexibility exists and whether anything in your personal situation has changed.
A retirement plan gives those questions a home. It connects the investment approach to expected spending, timing and the other resources available to you. That doesn't remove uncertainty. It gives you a longer view for judging whether a new headline calls for action.
Alman Partners describes its investment approach as evidence-based. The aim is to make decisions from a considered plan and your circumstances, with today's news placed in the right context.
That context can also help when two headlines point in opposite directions. Return to the purpose, the timeframe and the assumptions already built into your plan before deciding whether anything needs to change.
Write the reason down before you act, so the decision can be reviewed later against the same plan.
This is general information only. Personal advice depends on your objectives, financial situation and needs.
Kind regards,
Alman Partners
What happens if retirement changes shape?
Preview: Useful planning leaves room for work, family and spending to move.
Hi there,
Retirement rarely follows one clean forecast, because work may finish sooner than expected and family may need support. A housing decision or major cost could also arrive at a different time.
Write down two changes that would have the greatest effect on your plan. For each one, ask what would move first: spending, timing, investments or another source of income.
Testing a few reasonable scenarios can show where the plan has room and which choices deserve attention. You still won't know every future event, but you'll have a clearer view of the decisions available if circumstances move.
Keep the scenarios practical and tied to choices you could actually make. The purpose is to prepare, not to produce a forecast for every possibility.
Kind regards,
Alman Partners
You don't need every answer before you call
Preview: Bring the question and the broad outline of where things stand.
Hi there,
People often delay a financial conversation because their records aren't organised or the question feels too broad. A finished model isn't required for the first step.
Start with one sentence: I want to understand...
You may want to understand what your current position could support, how your super and investments fit together or whether a retirement date is realistic. Add a rough picture of your income, spending, super, investments and major debts if those figures are easy to find.
That's enough to clarify the question and identify what information would help next. If advice may be useful, the likely scope can then be explained before you decide whether to proceed.
Alman Partners offers an obligation-free initial conversation by phone, video or in person.
This email contains general information only.
Kind regards,
Alman Partners
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