Impact Wealth

Happy Father's Day!

However you're celebrating today, we hope it's a good one.

From the team at Impact Wealth.

Retiring in 2026? Here are four moves worth making before you do.

1. Plan your spending. Your costs don't stay the same in retirement. Understanding how they evolve over time puts you in control of what your lifestyle actually looks like.

2. Claim your entitlements. Many people miss out simply because they didn't know to apply.

3. Manage longevity risk. The greatest financial fear in retirement is running out of money. Getting your exposure to growth assets right from the start matters more than most people realise.

4. Spend with confidence. A well-structured plan is about knowing you can spend freely and still leave something behind for the people you love.

If you're approaching retirement and want to make sure these boxes are ticked, a complimentary discovery call is a good place to start.

General information only. Not personal financial advice.

Retirement planning is about more than spreadsheets and super balances.

It's about the life you've spent decades building, and making sure the next chapter reflects that. Every client we work with has a different picture of what retirement looks like. Our job is to understand that picture first, then build a plan around it.

General information only. Not personal financial advice.

Feedback like this is what drives us.

Helping people move from uncertainty to confidence in their retirement is exactly what we're here for. The fact that the journey feels supported along the way means everything to us.

If you're ready to start your own retirement planning journey, book a complimentary discovery call at impactwealth.com.au

General information only. Not personal financial advice.

The market will move. It always does.

These are the cognitive biases most likely to trip investors up during turbulent times:

1. Loss aversion. The pain of a loss feels disproportionately greater than the satisfaction of an equivalent gain. Mathematically they're the same. Emotionally they're not.

2. Herd behaviour. When everyone moves in one direction, it feels safe to follow.

3. Overconfidence bias. The belief you can time the market effectively. Most can't. Acting on that belief leads to impulsive, costly decisions.

4. Fear and greed. Two of the most powerful emotional responses in investing. Understanding them is the first step to not being controlled by them.

5. Recency bias. Reacting to what just happened while ignoring decades of historical context. Recent trends are rarely the full picture.

What separates confident investors from anxious ones is understanding what's actually driving their decisions and knowing when their own mind is working against them.

At Impact Wealth, we believe informed decisions are better decisions. That means helping our clients understand not just the numbers, but the behaviours and biases that get in the way of acting rationally when the pressure is on.

Clarity creates confidence. That's what we're here for.

General information only. Not personal financial advice.

Retirement has never been about making a single financial decision. It's a series of them, made over years, across a life that keeps changing.

Getting it right means planning for how your spending evolves, managing the risk of outliving your money, spending with confidence while protecting what you leave behind, and making sure you're claiming every entitlement you're owed.

General information only. Not personal financial advice.