Financial Forecaster - Explore possible retirement outcomes

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If you’re approaching retirement, it can be hard to know how today’s decisions might affect your future.

The financial forecaster is an educational tool designed to help you explore the potential impact of different financial choices before you commit to them.

It’s not about predicting the future with certainty. It’s about helping you understand possible outcomes, so you can make better‑informed decisions with more confidence.

The financial forecaster can help answer questions such as:

• Do I have enough set aside to retire?
• When might I realistically be able to retire?
• How long could my money last in retirement?
• Am I likely to receive the Age Pension?
• What happens if I sell an investment property or reduce debt?
• How different choices may affect my retirement income over time

The results help you move from guessing to understanding.

Your financial forecast illustrates how your position may change over time, based on the assumptions and scenarios explored.

This can include how your:

• Cash and savings
• Superannuation balances
• Investment property or other assets
• Shares and other investments
• Retirement income

might vary over the coming years, depending on the decisions you’re considering.

It also helps you see whether certain choices are likely to improve or reduce your long‑term position, and what your spending in retirement may look like.

For some people, the results are reassuring.

For others, they highlight areas that may need attention.

Either way, it’s an opportunity to understand your situation now, rather than finding out later.

Your financial forecast is prepared for you, using the information you provide and the scenario you’d like to explore.

It maps out the financial implications of those choices over time, typically looking ahead up to 15 years.

A financial forecast may include projections of:

• Your income and expenses
• Whether you’re likely to have a cash surplus or shortfall each year
• Superannuation balances
• Account‑based pension balances
• When you may become eligible for the Age Pension, and how much

You’ll also receive a summary document outlining your assets, liabilities, income, and expenses, giving you a clear snapshot of your current position.

This gives you practical information you can use to reflect on whether what you’re planning is likely to deliver the outcomes you expect — and if not, what questions you may want to explore next.

Some people use the financial forecaster once, to answer a specific question.
Others choose to revisit it periodically as their circumstances change.

Many clients update their financial forecast each year, using it as a way to stay informed and adjust decisions as needed.

It allows them to make choices today with a clearer understanding of what those choices may mean for tomorrow.

The financial forecaster is education only.

• It does not provide personal financial advice
• It does not recommend financial products
• It does not replace a licensed financial adviser

What it does provide is clarity, context, and insight — helping you understand potential outcomes so you can have more informed conversations with professionals, or feel more confident managing decisions yourself.

If you’re curious about whether a financial forecast could be useful for you, the best place to start is a conversation.

There’s no obligation and no pressure — just an opportunity to talk through what you’d like to understand.