Retirement - Grabowski Financial Planning




Retirement - Grabowski Financial Planning

Retirement is something most people look forward to. It is a new stage of life, where there is more freedom and flexibility to determine the balance between work and play. For some people, it represents freedom from the imperative of work, no longer having to work full time to put the kids through school or university, pay off the mortgage or collect a nest egg. Instead, choices can be made about what we enjoy doing, whether that’s spending time on the golf course, travelling more or developing a relationship with grandchildren.

Retirement GFPG



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Age Pensions Advice


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Allocated Pensions

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Read what our clients have to say

Hi Steve,I just wanted to say thank you for all of your advice and assistance in arranging the consolidation of Marc’s superannuation accounts. It certainly is a relief to know that they have all been wrapped up into the one account. If I had known how easy it would be – I would have done it years ago!I have received my super statement for the end of June and I couldn’t be happier with the results. Over the years I have trusted your judgement and it has paid off. Even during the GFC I had complete faith that my financial interests were being looked after.The TPD Cover is a great idea and it gives me peace of mind knowing that I have that safety net in place should I suffer a serious injury or illness down the track.Dealing with you is easy – there is no hard sell, you explain everything in easy to understand terms and you are knowledgeable and totally transparent in your dealings. There are no hidden surprises in the way of fine print or unexplained fees. But most important is that I consider you trustworthy and for me, this is the key.Thanks again for all of your help and advice over the years. Kathy McCormack

Steven Grabowski has gone above and beyond to ensure that my financial affairs are optimised for the seven years that I have worked with him. Steve has always been accommodating to my conservative position on markets and risk and has never pressured me into products or higher risk positions on investments and superannuation. Grabowski Financial Planning also quickly and efficiently completed my latest tax return so that my refund was back in my pocket quicker. Steven also ensured that my insurances were optimally set up to cover my family for all possibilities in the future. Adrian Tyson




The process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine if the retirement income goal will be achieved.

There are many things to consider when planning for retirement, but the biggest question of all is: ‘can I afford to retire?’

Is $1 Million enough or do I need more. Everyone is different.

To find the answer, A GFP Planner will first consider how well you want to live during your retirement. We will look at your spending habits and this will influence how much money you need to accumulate in preparation for retiremen

How long am I likely to live? (in order to estimate how long your income needs to last) How will I manage increases in the cost of living?

If investing in shares, how can I protect my income against the effects of adverse market movements?

All of these things can affect how long your retirement savings last. The earlier you start planning for retirement the sooner you can retire.