Do You Have Enough to Retire? Here’s How to Find Out.

You’re in your 50s, your super and investments are in good shape, your home is paid off—and retirement is on your mind. So, how do you know if you’re financially ready to make the leap?  

It’s a powerful question, and one we help clients explore every day. Because knowing when you can retire isn’t just about having a number in mind—it’s about understanding your whole financial picture and the lifestyle you want to create.  

With $1.6 million in super, $1 million in other investments, and no debt, you’re already ahead of the curve. But ensuring your wealth supports you for decades to come requires clarity, confidence, and careful planning.

That’s where financial modelling comes in. A trusted financial planner can help map your future using tailored, conservative projections. This includes stress-testing your plan—so you’re prepared for the unexpected, whether it’s market fluctuations or changes in spending. These projections aren’t static—they evolve with you, so you can check in regularly and stay on track.

If you’re not quite ready to engage a planner, tools like the government’s Moneysmart Retirement Planner can offer a helpful starting point. But remember: the quality of any forecast depends on the accuracy of your inputs.

That starts with truly understanding your spending—today and in the future. Consider regular living costs, future travel plans, possible medical needs, home maintenance, even early gifts to children. Start by reviewing three months of your banking transactions to get a clear, honest snapshot of your current lifestyle.

From there, you can estimate what might change in retirement. More travel early on? Lower groceries once the kids have moved out? Different vehicle expenses when you’re no longer commuting?

Getting this part right matters. Retirement forecasts often stretch across 30 or 40 years—and even small miscalculations can compound over time.

Finally, think about your investment mix. A thoughtful transition to income-generating assets is key—but going too conservative too early can erode returns and reduce the longevity of your savings.

The bottom line? Retirement readiness isn’t just about how much you’ve saved—it’s about how well you plan, and how confidently you can make your money work for your lifestyle and goals.

We’re here to guide you through every step—so you can move forward with certainty, not guesswork.