Many people now are enjoying long retirements, marred by three problems: declining real income, exposure to wild market swings and running out of money.

• When you stop working, your income can stall: you miss out on pay rises intended to compensate for inflation and your real income slips behind.
• Worse, if your income is based on shares or even property, you will be vulnerable to market crashes that could wipe out half your capital or more. It happened in 2009 and it will happen again.
• If you enjoy a long retirement, the money you have set aside can run out.

Fortunately there are new retirement products which:

• Include adjustment for inflation (so your standard of living is maintained)
• Are not market dependent (you get paid the same regardless of share, property or currency fluctuations)
• Last for as long as you live

For most people, putting a significant proportion of their retirement egg into a guaranteed-for-life income is the only way they can be sure of worry-free financial security.

At Black Swan Event Financial Planning we are expert in the best of these new products.

Even if your retirement savings are only modest, we can show you how to invest to receive a partial age pension and benefits, maximising your retirement income.

For more information or for a no-obligation initial consultation, contact us.