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The Retirement Check-Up has been designed for anyone who is between min 5yrs -7yrs from retirement. It gives Australians a clear, personalised view of how their retirement plans are tracking: highlighting strengths, potential shortfalls, and opportunities to boost super, reduce tax, and retire with confidence. It models your future lifestyle, and income needs and delivers tailored insights alongside expert guidance.
Client Profile
Name: Helen
Age: 56 years
Occupation: Primary School Teacher
Annual Income: $92,000
Goals: Retire at 65, maintain current lifestyle, travel once a year, pay off home loan.
The challenge
Helen was nine years from retirement and starting to wonder if her super balance would support the lifestyle she envisioned. Despite contributing to super for decades, she wasn’t sure how much income she’d have once she stopped working or if she was doing enough to start closing the gap. She wanted clarity and confidence, so she completed the moneyGPS Retirement Check-Up which is a fast, secure way to assess her financial readiness for retirement.
What the Check-Up Revealed
The personalised report identified key insights:
Superannuation: Projected retirement savings were below target for her desired lifestyle.
Contributions: She was eligible to increase retirement savings through salary sacrifice and catch-up contributions.
Debt: Her home loan was expected to be paid off by age 67, slightly behind schedule.
Income Gap: Estimated shortfall of $3,000 per year in retirement income.
Investment Mix: Her conservative investment approach may have been limiting growth potential for retirement.
The Retirement Check-Up gave Helen a clear snapshot and actionable steps to build financial confidence.
The Outcome
Just six months after completing her Retirement Check-Up:
Projected Super Balance: Up by $105,000 by age 65.
Tax Savings: Annual tax reduced by $1,800 through salary sacrificing.
Debt Reduction: On track to wiping years off her mortgage repayments.
Retirement Confidence: Achieved her goal of funding annual travel costs while maintaining her lifestyle needs.
The Retirement Check-Up was exactly what I needed: clear, simple, and empowering. I finally know I’m on the right path and can enjoy my remaining working years with confidence.
Why the Retirement Check-Up Works
Most people approach retirement with uncertainty, not knowing if they’ve done enough. The Retirement Check-Up bridges that gap with clarity and confidence:
Personalised: Clear snapshot of your super, income, and lifestyle readiness.
Actionable: Specific steps to boost your super and reduce tax.
Independent: No commissions or product pushing, just unbiased advice.
Visual: See how your choices today shape your financial future.
Human Support: Expert GPS Coaches to explain, guide, and empower.
Next Steps: Click here to complete your Retirement Check-Up
Watch how it works, view the Retirement Planning Video:
Remember: Confidence in retirement starts with clarity and clarity starts with your Retirement Check-Up.
Disclaimers and Warnings:
The Retirement Check-Up Report does not provide personal financial product advice. It provides factual information and guidance to help you identify areas where further advice may be beneficial.
The GPS Coach does not provide direct or indirect personal advice. Their role is to explain the report outcomes and solutions proposed to help you consider your next steps.
The above scenario is illustrative only.
Where general advice is provided, it does not consider your personal circumstances. You should consider its appropriateness and seek personal advice where necessary.
The information provided the writer was current at the time the article was produced - 12/2025.