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The value of financial advice

The value of financial advice with Cheryl

Cheryl’s passion for hospitality began at Penrith Panthers’ and Castle Hill RSL. Luckily, she was able to take her Club Plus Super (CPS) with her throughout her career.

Cheryl was thinking about retirement but wasn’t sure what she should do. Then she and her husband were invited to attend a Club Plus Super financial planning and retirement seminar which included topics on:

 But the subject that really interested Cheryl was a Transition to Retirement (TTR) pension.

What is a TTR?

A Transition to Retirement (TTR) pension allows you to move into retirement on your own terms.

There are two main ways the TTR works:

  1. Reduce the number of hours you work and top up your income from your TTR pension, or
  2. Keep working the same hours, sacrifice some of your salary into your super to receive a tax benefit and top up your income with your TTR pension.
Transition to retirement (TTR)
Get more from your super with a Transition to Retirement pension

“I contacted Club Plus Super and they sent out a representative of the financial planning team who came and visited us”.

After reviewing their financial situation, a Club Plus Financial Planning (CPFP) adviser recommended a TTR pension – a tax-effective strategy which combines a regular pension with salary sacrifice contributions to boost super before retirement.

Now Cheryl is confident she will be able to retire knowing that her and her husband will be financially stable and won’t have to worry about ‘scrimping and saving week in, week out’.

‘I would highly recommend CPFP to anyone that’s pondering retirement and getting great advice at a very reasonable cost,’ said Cheryl. ‘I tell all my friends that they should get in contact with them for their retirement needs, as we haven’t looked back since obtaining that advice.’

Make an appointment to see a financial adviser

If you would like to take control of your finances and secure your future, a Club Plus Financial Planning adviser can help you meet your financial goals. Make an appointment here.

Financial planning advice is provided by Club Plus Financial Planning Pty Ltd (Club Plus Financial Planning), ABN 14 143 636 766 acts as a Corporate Authorised Representative #367058 of Link Advice Pty Ltd, ABN 36 105 811 836 (“Licensee”). The Licensee holds a current Australian Financial Services Licence #258145 and is responsible for the financial services provided to you. Club Plus Financial Planning is an associated company of Club Plus Superannuation Pty Ltd. There are no fees for general advice or intrafund advice. Where the service extends beyond superannuation and retirement planning advice, you will be invoiced directly.