Your Money Mentality:
The Freedom Seeker
You have poured so much energy into your journey to get here, and now it’s time to ensure your hard-earned wealth serves a greater purpose: your absolute freedom. Whether you are approaching the finish line or are already enjoying the view, your focus has shifted from accumulating "more" to leveraging what you have. You want the permission to finally enjoy the fruits of your labor without any creeping doubts that your funds will run dry.
FACT
A recent study found that 53% of Australian retirees spend less than the Age Pension, often out of fear of running out of money. Research also showed that by obtaining and implementing financial advice, more respondents were likely to report that they 'used to, but no longer worried about running out of money' (compared to those who received advice but did not act on it).
Source: National Seniors Australia (2020)
Your Current Vibe
You value independence and want to at least maintain your existing lifestyle for some years to come. Perhaps you're beginning to think about retirement, have already retired, or maybe a positive windfall has meant you can change your work/life balance dramatically. It's time for you to live out some of the adventures on your list that have been waiting in the wings. Now that you're considering winding down your work life, you might be wondering, "How do I make sure this lasts?", or "Do I really have enough to help my kids while seeing the world in comfort?". You want to give back while soaking up experiences, but you're looking for a reliable way to confirm that the numbers truly support your heart's desires.
The Intel
Think of this phase as shifting gears from 'growth acceleration' to 'precision cruising'. You have done the hard work of building and maximising your wealth accumulation, now it is about fine-tuning your financial structures for maximum efficiency and longevity. It’s time to make sure you have smart, tax-effective strategies in place that turn your assets into a reliable income stream that give you choice in how you want to spend your time.
DID YOU KNOW
Retirement spending usually has a "Smile" shape. Spending is high in the early years, dips in the middle, and rises slightly at the end.
Source: Morningstar (2013)
Quick Tip
When you stop working, traditional finance rules change, and you need a strategy to make sure you're flourishing instead of just getting by. Strategies like "Transition-to-Retirement", Account-Based Pensions, or just taking the time to make sure you're maximising any available pensions or allowances require some homework.
The Hazel Way Insight
Think of us as a gateway to peace of mind. By mapping out a clear timeline for your savings, we can replace that nagging "will I have enough?" worry with the confidence to say a wholehearted "yes" - whether that’s funding a family holiday, helping your kids or grandchildren, or simply enjoying the downtime you’ve earned.
Next Step
Don't just focus on 'stopping work', it's time to start planning everything else ahead of you with a wish list! First, complete our quick "Permanent Freedom (🪣) List" - a fun, 3-minute reflection to get all your 'one day' dreams down on paper. Then, once your vision is clear, book a chat with us. We’ll take that list and see how you could structure your finances to allow you to tick off every single item.
Start Designing Your Life
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A Life Rich in Experiences
The Hazel Way brings heart, clarity, and purpose to your relationship with money. We offer thoughtful financial planning focused on what matters most to you - so you can make decisions that feel good for your journey ahead. It’s not just about wealth; it’s about living with intention, confidence, and meaning. It’s financial planning that feels empowering, not overwhelming.