Prepared for Paul Shepherd
Deliverables below
Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
If you're approaching retirement, your balance is only part of the answer.
You also need to know what that wealth may support once work stops. Think about your regular spending, travel, the family commitments you want room for and the way you'd like an ordinary week to look.
Put the life beside the numbers. Then you can see what fits and what may need attention.
Alman Partners can help you work through that picture. Open the page and start an obligation-free conversation if you'd like to talk about your situation.
Your super, investments, spending and retirement date don't sit in separate lives. Change one and the others can move with it.
That's why it helps to review them against the same goal. You can see the trade-offs, the decisions to make now and where you still have options.
If those pieces feel disconnected, Alman Partners can help you put them into one retirement plan. Open the page to see the conversation we've mapped out.
Before you pick a retirement number, describe the life it needs to fund.
Where do you want to live? What fills a normal week? How much room do you want for travel, family or a change of plans?
Once that's clear, the financial decisions have something real to answer. Your super and investments become tools for the life, not the plan by themselves.
Open the page if you'd like Alman Partners to help you work through it.
Market headlines can make every week feel like a new decision.
A retirement plan gives you a longer view. It connects your investments to the income, timing and flexibility you actually need, then gives you something useful to review when conditions change.
Alman Partners describes its investment approach as evidence-based. If you want to see how your current position fits a broader retirement plan, open the page and start an obligation-free conversation.
You don't need a finished financial plan before speaking with an adviser.
Start with the retirement you want, where things roughly stand and the questions you need answered. That gives the conversation a clear place to begin.
Alman Partners offers an obligation-free initial conversation by phone, video or in person. Open the page, fill in the short form and the team can talk through your situation.
# Alman Partners retirement planning video script
## What can your wealth support after work?
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 offers an obligation-free initial conversation by phone, video or in person. Fill in the short form below if you'd like to talk through the retirement questions on your mind.
## Put the decisions in one place
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 gives each part the same destination.
That doesn't mean pretending the future is certain. It means understanding your current position, testing reasonable scenarios and knowing which decisions deserve attention now.
## Advice built around your situation
Alman Partners has provided financial advice since 1985 and has held its own Australian Financial Services Licence since 2001. Its advisers describe their approach as evidence-based, comprehensive and centred on the client's goals.
The planning process begins with a conversation about what's important to you. From there, the team can explain what information is needed, where advice may help and what the next step would involve.
You don't need every number organised before that first conversation. Bring the questions you want answered and the broad outline of where things stand.
## Start with a conversation
If you want to understand what your wealth may support in retirement, fill in the short form below.
The Alman Partners team can speak with you by phone, video or in person. It's an obligation-free initial conversation, and you can decide what to do from there.
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 the conversation. 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 first conversation. 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 first conversation.
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 is. 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 first conversation 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 the conversation
Preview: A direct question gives the meeting a useful start.
Send: The day before the conversation
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. The numbers 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
Every asset above plugs into one place in this flow. Once it's running, the only thing you see is qualified bookings on your calendar.
We handle every piece of the build, deployment, and the first 30 days of campaign management. You film, we run.
If yours isn't here, it's the first thing we'll cover on the call.
