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24.01.2022 If you would like expert help in setting goals to secure your financial future, visit www.sageretirement.com.au or call 08 9445 2955

24.01.2022 How much do you need to live well in retirement and what can you do now to get to that magic number? Retirement calculators are all very well, but an honest answer will depend on how you will spend your time, whether you are mentally ready to give up work and what will be your new purpose? With people living longer in retirement, it is more important now than ever to honestly answer the questions above and put in place strategies to help you meet your retirement goals.... Strategies you can look at include: Topping up your super Tax-smart investing so you keep more of the money you earn Preparing for emergencies and saving for holidays Protecting your assets from predators and creditors Organising your will and Powers of Attorney and of course Financial forecasting to see if youre on track and how your wealth fund can be boosted At Sage, we use state-of-the-art modelling techniques and over 180 years of combined industry experience to build a profitable retirement fund. By working together, we can delve deeper into your current lifestyle and future aspirations to fully understand your story and identify your investment objectives. Call us today on 08 9445 2955 or visit our website to book in with our specialist advisers.

24.01.2022 Wishing all our Sage clients, family, friends and supporters a very merry Christmas and a Happy New Year!

24.01.2022 Call us on 08 9445 2955 to speak with our Retirement Specialists. We can help build, grow and manage your wealth fund so you can live well in retirement.

22.01.2022 Have you accessed the early release of super scheme? By withdrawing part of your super early, you dont just lose the amount youve withdrawn from your retirement savings, you also lose the opportunity to earn an investment return (or make additional money) on that money. This could have a long-term impact on the quality of your retirement. Unfortunately, if left alone this shortfall wont take care of itself. ... The good news is theres plenty you can do to help make sure you can still enjoy the kind of retirement youve always dreamed of. There are a number of ways you can make super contributions in addition to those your employer makes on your behalf. These include: Concessional (before-tax) contributions Non-concessional (after-tax) contributions Spouse contributions Government assistance Speak to our Retirement Specialists on 08 9445 2955 or visit www.sageretirement.com.au and find out how you can rebuild your super after a COVID-19 withdrawal.

22.01.2022 There is help out there for those who need it, but exactly what are you entitled to? If you need help accessing support, contact us today and let us help you. Book in for a complimentary review of your finances and we can show you what you can do today to get you back on track. Your retirement may not have to be put on hold. Using state-of-the-art modelling techniques, and over 3 decades of industry experience, we can help grow and manage your retirement fund. You don't have ...to go through this alone. We're here to help. Call us today on 08 9445 2955 or visit www.sageretirement.com.au

21.01.2022 Start the new year as you mean to go on and conduct a thorough review of your finances. Contact our specialist advisers today on 08 9445 2955 for a free, no-obligation chat. We can help build, manage and grow your wealth so you can live well in retirement. www.sageretirement.com.au

21.01.2022 We asked our clients to recommend their favourite holiday destinations (which we can look forward to once normality resumes!) We loved the ones from Tania Wilson and Susan Harris who both won prizes for their recommendations Click the link to view our Top Ten Overseas and Staycation destinations.... If you have any of your own, comment and share your pics below. Let's get over #humpday with some holiday motivation!

21.01.2022 Waiting until you have money before you work with a retirement planner, is like waiting 'til you're smart enough before you go to school. Too many people think financial planners and retirement specialists are for the wealthy, but this simply is not true. There is no minimum amount you need to have in your retirement fund. In fact, if you're at all worried about how long your money is set to last in retirement, seeking advice from experts is strongly recommended. According t...o the Global Retirement Reality Report, "Australians of all ages accept personal responsibility for ensuring their income in retirement is adequate. This is despite the endless array of helpful hands'. Going it alone is not necessary. We can help build, grow and manage your wealth so you will have a steady income at retirement. Book in for a consultation today to see how we can help you. Click here > www.saferetirement.com.au or call us on 08 9445 2955.

21.01.2022 The results from the National Seniors Australia survey are in! It shows that Advisers are the number one source of information on wealth creation and financial management. It also shows that 59% rely on Advisers to help them achieve their retirement goals. This is not surprising. With life expectancy increasing, you could expect to live out 30 plus years in retirement. An autopilot DIY retirement strategy will not sustain you for that length of time.... Retirement planning is different from other aspects of financial planning and that is why here at Sage, it is our number one focus. More than facts and figures, the emotional complexities surrounding retirement can be difficult to manage. Retiree goals are also different, and there is a bigger focus on regular, steady income and asset protection. We have over 30 years of experience building, growing and managing wealth for retirees. Our specialists will help you navigate the emotional rollercoaster that retirement brings, manage key challenges for retirees and create sound income strategies. You deserve to live well in retirement, and we'll help you do just that, Click here > www.sageretirement.com.au for more information and to book in a complimentary review of your finances.

20.01.2022 When people hear the phrase ‘retirement planning’ they think of pensions and Centrelink benefits, life insurance and aged care. The average lifespan of Australians is 82.5 years, but with healthier lifestyles and advances in medical science, more and more people are living well into their 90s. So it is understandable that retirement planning is pushed to the back of the mind and forgotten about. ... Why think about retiring when you’re too busy living your best life? Click the link below to read our latest blog and as always, should you have any questions concerning your retirement, call our specialists on 089 445 2955 today.

19.01.2022 The new year is a great opportunity to review your habits around money. During these uncertain times, having some certainty concerning your finances can provide some assurance. Call us today on 08 9445 2955 to speak to one of our specialist advisers. We can help you to manage your cash flow, budgeting, minimise tax, maximise benefits, review your super and more. www.sageretirement.com.au

18.01.2022 For more top tips, advice and recommendations on how to boost your savings, click here > www.sageretirement.com.au and book in a complimentary review of your finances.

16.01.2022 Last week parliament passed the Your Superannuation, Your Choice Bill 2019, expanding the amount of choice in the superannuation system. This gives some 800,000 working Australians the right to choose the fund their hard-earned contributions are paid to. Choosing which fund to invest your retirement savings into, or consolidating your multiple superannuation accounts can have a big impact on your retirement fund.... Super may not be high on your list of priorities if you are some way off retirement, but if you want to ensure you can later live the lifestyle you want, paying attention to your superannuation NOW is vital. Whether you want to consolidate your Superfund into one account, or need advice and helo choosing the right Superfund for you, speak to our Retirement Specialist today. Call us on 08 9445 2955 or visit www.sageretirement.com.au

16.01.2022 Financial stress is so very common. Yet much of that stress can be avoided if you seek advice as soon as you begin to feel concerned or worried about your finances. At Sage, our specialist advisers can help you with every aspect of your financial health. From cash flow management and budgeting to tax-smart investing and estate planning. No matter what salary bracket you are in, we have strategies to help you meet our long-term goals and will by your side the whole time. Call us on 08 9445 2955 and book in for a free financial health check today.

13.01.2022 Don't miss out on entitlements due to a lack of knowledge. We can ensure you receive the right benefits owed to you as well as help with the application process. Our retirement specialists will also model how long your money will last in retirement and set up a portfolio to give you a steady income stream. Call us today on 08 9445 2955 to book for a free chat.

12.01.2022 It's great to have financial goals. They go a long way in helping to save and plan for your future. However, for many, the setting of goals ends there. There is confusion or uncertainty on what steps to take to achieve these goals. No matter what your goals are, we can create a tailored investment strategy to help you reach them. Call us on 08 9445 2955 or visit www.sageretirement.com.au for more information.

11.01.2022 Financial Advisers have had some pretty bad press as of late. You put your faith and trust in the hands of financial experts and many of you have felt let down. However, we want to reassure you that much has been done to gain your trust, and ALL Licenced Financial Advisers MUST follow the FASEA Code of Ethics. The code comprises 5 values and 12 standards. The aim is to go above and beyond the requirements of the law to instil higher conduct of behaviour and professionalism in... our industry. This code informs everything we do and centres on working in the best interests of our clients. For us, this is nothing new. There is nothing written in the code of ethics that we havent practised as standard. In fact, it is working to higher moral values that have kept us successful in business for over 30 years. We aim to be the benchmark in retirement planning and that comes from putting our clients first. We are not about confusing jargon, commissions and high fees. What we are about is your mental, emotional and financial wellbeing. We want to help you Retire Ready and Retire Well and we cannot do that by being dishonest or immoral. That is not who we were, not who we are and not who we will ever be. Click on the link below for a full breakdown of the Code of Ethics. https://www.fasea.gov.au/code-of-ethics/

11.01.2022 There are some interesting facts and figures on the reality of retirement and retirement planning for Australians. You've worked too hard for too long to let the retirement you deserve slip through your fingers. In these uncertain times, it is more important than ever to ensure you have a well managed, diversified and goal-orientated retirement fund. Call us today on 08 9445 2955 or click here > www.sageretirement.com.au to book in a complimentary financial health review of your finances

11.01.2022 There is a lot to process right now. The impact of Coronavirus on your investments, savings, retirement income can lead to great deals of stress and confusion. Here at Sage we are more than Retirement Specialists. We're here to see you through the tough times and help you live well in retirement. Please don't keep your worries and concerns to yourself. We encourage you to reach out to us and book in a free no-obligation chat to talk through your options. Give us a call or send us a message to book in with one of our Specialist Advisers and let us help you get through this.

11.01.2022 One thing's for certain and that is nothing is certain. It is understandable that the impact of COVID-19 on markets is causing stress and worry. Things will turn around, they always do, however, there are some important things you can do right now to ensure your investments are protected and remain on track so you can live well in retirement. Speak to our Retirement Specialists today for a complimentary and no-obligation chat on your current financial situation. Click here > www.sageretirement.com.au for more information and to book in a meeting.

09.01.2022 Reviewing your finances is not something that needs to be daunting or time-consuming. Knowledge is power and partnering with experts in the industry is the best way to ensure you are on track to meet your investment goals. Call us today on 08 9445 2955 and book a consultation with our Retirement Specialists.

09.01.2022 It seems like the spread of Coronavirus in WA is decreasing steadily and we can start seeing some light at the end of the tunnel. However, there is still a way to go and along with the stimulus package introduced by the government last month, many banks are offering financial support through interest rate cuts and deferred payment options. To make it easier for you to see what options are available to you, we have summarised some of the main support packages on offer from ANZ, Bank West, CBA and Westpac. In the meantime, please do not hesitate to speak to contact us for a complimentary review of your finances and how you we can help create, build and manage your wealth fund.

09.01.2022 If your priorities or circumstances have changed, it is possible your financial strategy will need to change too. A change in employment, health, housing and savings can all impact your retirement fund and can even affect your entitlements and benefits. An out-of-date insurance policy could leave you unprotected and a failure to update your estate plan could mean your wishes being ignored. Talking through your changes with a Retirement Specialist can help uncover necessary up...dates, and help you remain on track to meet your goals. Speaking with a professional retirement planner isn't as daunting as you may think. Come in for a complimentary, no-obligation chat. Your time is precious and we appreciate that. So we are happy to meet at your home and offer after-hours appointments; because taking control of your finances shouldn't have to be arduous. Visit www.sageretirement.com.au for more information. With over 3 decades in the industry, why not use our help and expertise?

07.01.2022 59% of people measures their financial success on being able to retire comfortably. However in our post last week, we know that a large percentage of people are unable to retire when they want to because they're not financially able to do so. Too many people think of retirement planning as something to do "nearer the time". But everything you do now can and does affect how much money you will have in your retirement fund, The size of the mortgage on your first home, the new c...ar loan, paying for your kids' private education, yearly holidays etc all have an impact on your overall long-term financial situation. Retirement planning needs to happen as early as possible, but if like many, you've left it too late, don't panic. There are still strategies we can explore to get you back on track. Click here www.sageretirement.com.au to find out how our Retirement Specialists can help you Retire Ready.

07.01.2022 How is the current Coronavirus pandemic impacting your retirement package? As the Coronavirus (COVID-19) continues to cause economic upheaval, what does this mean for your retirement fund? You have saved for years, invested in a diversified portfolio and were looking forward to living a comfortable life at retirement. Click here to read our latest blog on the 4 ways your retirement fund can weather the storm: https://www.sageretirement.com.au/blog

05.01.2022 Christmas can definitely be an expensive time of year. But you can make your money go further by following our simple tips below. For more ideas on how to make your savings go further for your retirement, contact us today on 08 9445 2955. Our Retirement Specialists can model exactly how long your money will last in retirement and recommend strategies to help you stay on track.

05.01.2022 While it may seem like COVID-19 has been with us forever, it has actually only been less than a year. And yet this pandemic has changed everything we know and trust. We are all still trying to come to terms with the resulting volatility of the economy and the impact this is having on our savings and retirement goals. Click on the article below for ideas to help retirees adjust to what is now becoming the new normal.... For more specific help on staying on track to meet your retirement goals, call our specialist advisers on 08 9445 2955. We will let you know exactly how long your money will last in retirement and what you can do today to help you retire ready.

04.01.2022 Whatever your retirement plans, our specialist advisers can let you know how long your money will last in retirement and determine the best strategies to help you retire well. For over 30 years, our team has helped thousands of retirees build, grow and manage their wealth fund. Contact us today on 08 9445 2955 for a free no-obligation chat about what you want out of retirement.

04.01.2022 The current market volatility caused by the Covid-19 pandemic, global recession and inflation hikes is naturally causing many people (especially those nearing retirement) to fear for their financial future. Click the link to read our latest blog on how to ride the storm of market volatility and come out of the other side unscathed!

03.01.2022 Did you know The Australian Taxation Office has rolled out a new working from home tax claim shortcut on 1st March until EOFY 30th June? This new arrangement aims to make it easier for people working from home as a result of the ongoing COVID-19 pandemic, to claim a rate of 80 cents per hour for ALL their running expenses, instead of calculating costs for specific running expenses as taxpayers would under normal circumstances. Multiple people living in the same house can cl...aim this new rate individually, and you do not need to have a dedicated work from home area in order to claim. Additionally, you will only need to keep a record of the number of hours worked from home as evidence for your claim. Taxpayers will be able to choose one of three ways to calculate their additional running expenses for the period. They include: 1. Claim a rate of 80 cents per work hour for all additional running expenses 2. Claim a rate of 52 cents per work hour for heating, cooling, lighting, cleaning and the decline in value of office furniture. Also calculate the work-related portion of your phone and internet expenses, computer consumables, stationery and the decline in value of a computer, laptop or similar device 3. Claim the actual work-related portion of all your running expenses, which you need to calculate on a reasonable basis. The ATO is also reminding people of the three golden rules for deductions still apply: 1. That means taxpayers must have spent the money themselves and not have been reimbursed 2. The claim must be directly related to earning income, and 3. There must be a record to substantiate the claim For help and advice on the benefits you may be entitled to during this time and the effect COVID-19 may have on your investments, visit www.sageretirement.com.au give us a call and one of our Specialist Advisers can talk you through all your options.

02.01.2022 One of the questions we get asked the most is "how much money do I need to retire?" Well, that, of course, depends on a lot of different things. The table below is just a rough guide but for a more definitive answer, you need to speak to an expert. Here at Sage, we use state-of-the-art techniques to let you know exactly how long your money is will last in retirement. ... With market uncertainty, the fear of deferring retirement is becoming a reality for many. Before making such an important decision, we strongly recommend you seek professional financial advice. A review of your finances can reveal a lot and we can work with you to ensure you remain on track or get back on track as soon as possible. Call us today on 08 9445 2955 to speak to a Retirement Specialist or visit www.sageretirement.com.au

02.01.2022 Is the ongoing Coronavirus pandemic causing you concern? It is only natural to worry about the impact of COVID-19 on your retirement fund. Fear and confusion can lead to panic, however, there are measures in place to help you stay on track and ride out the storm. With over 3 decades worth of industry experience, we have been through many market upheavals, as have you! ... Together we can help you navigate the current economic situation, take a look at what that means for your investments and put strategies in place to help you live well in retirement. Book in a complimentary financial review today and our specialist Advisers will help ensure you receive all the help and benefits you're entitled to. Call us on 08 9445 2955 or visit www.sageretirement.com.au for more information.

02.01.2022 As we approach the end of the financial year, here are some things you can do to get ahead for the new financial year. Review your budget, taking into consideration: Income changes Salary sacrifice ... Reduction in expenditure EOFY is a good time to evaluate some of your larger expenses including: Comparing your insurances against the market Reviewing your mortgage to see if you can get a better deal Pre-paying any expenses this financial year to bring forward potential tax deductions With the above in mind, it is important to keep up-to-date with the ever-changing tax landscape and seek professional advice. You may be surprised what tax deductions and concessions you could claim! Get in touch with us today on 089445 2955 or visit www.sageretirement.com.au for a quick chat with a specialist Adviser. We will discuss your current situation and recommend expert Accountants and Mortgage Brokers who can help.

02.01.2022 Are you psychologically ready to retire? When it comes to retirement planning, the focus is almost always on being financially ready. However, being emotionally and mentally prepared for this new life is just as important. With the average person living well into their 90s, you can expect to spend just as long in retirement as you have worked. What will you do for the next 30 or so years? How will you fill your time? If work was your identity, who will you be once you bow out...? Check out our recent blog on the subject, and if you're approaching retirement, or already retired and struggling with your new life, give us a call. Book in a free retirement chat with our specialist advisers and we'll help you Retire Ready

01.01.2022 #TopTipTuesday If you need help with choosing or reviewing your insurance, call us today on 08 9445 2955 or visit www.sageretirement.com.au

01.01.2022 We have all heard the news. Share markets around the world are falling and while market volatility is high, one thing we can say for certain is...please don't panic! During times of instability, it is even more important to hold on to your investments. Abandoning your investment strategy is likely to cause much more damage to your portfolio. Of course, holding on will not protect you from any short-term negative impacts to your portfolio, but once you have weathered the storm..., you will be able to benefit from the increased returns when markets stabilise and risewhich they will. It is at times like this that the experience and knowledge of Financial Advisers become more important than stockpiling toilet rolls. Left to our own devices, we tend to make rash decisions that can negatively impact the value of investments. We've attached an interesting article from Vanguard about what history can teach you about market volatility. https://www.vanguardinvestments.com.au//history-teach-you-