THE RETIREMENT SPECIALISTS
Whether you are ready to retire now or looking to commence the transition
into retirement, there are steps to take to start planning today.
Retirement is about so much more than money. Careful consideration needs to
be given to things like how you would like to spend your time, travel plans,
family considerations. All these play a part in devising the right path to
retirement. Retirement ideas are unique to everyone, therefore living your ideal
lifestyle involves careful planning.
Your retirement age is whenever you decide to stop working or have to cease
work due to other circumstances, such as sickness or injury. You may need to
meet certain criteria to be eligible to access your super or gain government
NSW Defined Benefit scheme
A defined benefit is a fund where an employee acquires a lump sum, specified
pension payment or combination of the two on terminating employment and
entering retirement. The payment is formulated based on a number of factors
that may include:
- Your earning history
- Contributors to the fund
- Length of service.
There are several aspects that could affect your final Payment.
- Your adjusted final fund salary (AFFS)
- The date you joined the scheme
- The amount you have paid
- Your current multiple
Retirement - Centrelink Management
A well-funded retirement is often a combination of a variety of income sources.
These may be from superannuation income streams and investment earnings
through to government funded Centrelink Age Pension.
Understanding the rules and how different assets and income sources are
assessed to maximise any Centrelink entitlement can be difficult. Berenice is
highly skilled in this area and can guide you through to ensure you receive
pension where possible to assist your retirement funds to last as long as you
wish them to.
Berenice is multi lingual – speaking fluent Centrelink and superannuation as
these can often seem like different languages!
Berenice has extensive experience having worked in the Financial Services industry for over 30 years in a variety of roles. In 1996, after many years in retail banking, she became a Financial Planner with ANZ in the Lake Macquarie region before spending almost 20 years at State Super Financial Services and Pinnacle Advice in Ballina.
Berenice has strong technical and practical experience and is passionate about providing specialist retirement planning advice.
Berenice is an expert in Retirement Planning, Superannuation and Pension Income Streams, Social Security Strategies, Managed Investments, NSW State Public Sector Defined Benefit Schemes, Redundancy and Estate Planning.
Education & Qualifications
Diploma of Financial Planning – Deakin University
CERTIFIED FINANCIAL PLANNER ®
Justice of the Peace – Reg No: 143494