Leon Jones - Intentional Wealth

👫 A significant age gap can add another layer to retirement planning.

One spouse may already be retired while the other is still working — with different retirement dates, super access and Age Pension timing to consider.

📅 You need to plan for the years **between** two retirement dates as well.



This information is general in nature and does not constitute personal advice. You should consider your personal needs, circumstances and objectives and obtain professional financial advice before making financial decisions.

If you’re planning for retirement, there are three numbers worth knowing.

Each one changes the rules around your super and retirement income.

60. 65. 67.

Here’s what happens at each age — and why it can pay to start planning before you get there.

This information is general in nature and does not take into account your personal objectives, financial situation or needs. Consider obtaining professional financial advice appropriate to your circumstances.

Will your kids change your retirement plans?

My eldest daughter got her driver’s licence this week, and in a few months she’ll finish school.

It got me thinking — will our kids stay at home longer? Will we help them buy their first home? And should that form part of our own retirement planning?

What do you think?



General information only. Please seek personal financial advice before making financial decisions.

Should you move everything to cash when you retire?

It can feel like the safest option. But with retirement potentially lasting 25–30 years or more, there’s another risk to consider: inflation slowly reducing your purchasing power.

In the final video of my Your Retirement Paycheck series, I look at the role of cash and growth investments, and why retirement planning is about finding the right balance.

If you’re approaching retirement and would like to understand what your own retirement paycheck could look like, send me a message using the button below and we can start the conversation.



General Advice Warning: This information is general in nature and does not take into account your personal objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for your circumstances and seek professional financial advice.

Most people approaching retirement ask the same question:

"How much can I actually afford to spend?"

In this video, I walk through a practical example of a retired couple with $700,000 in super and show how they could generate $75,000 per year by combining:

✔️ A superannuation income stream
✔️ The Age Pension
✔️ Income from their savings

The numbers are just an example, but they highlight an important point…

Retirement planning isn't about chasing the biggest super balance. It's about creating an income that supports the lifestyle you want.

Watch the video and let me know:

If you were retiring today, what's the one question you'd want answered?



General Advice Warning: This information is general in nature and does not take into account your personal objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for your circumstances and seek professional financial advice.

Most people spend 40 years learning how to build their super.

Very few spend any time learning how to live off it.

Retirement isn't just about reaching a certain super balance. It's about turning that balance into a reliable income that supports the lifestyle you've worked so hard to create.

In this video, I explain why retirement changes the financial question completely.

💬 What's your biggest question about retirement income? Let me know in the comments. It might feature in a future video.

Should everyone include a lifetime income stream in their retirement plan?

No.

After covering the pros and cons and a real case study, this final video explains:

✅ Who may benefit
✅ Who may not
✅ Why every retirement plan should be tailored to your goals

There's no one-size-fits-all retirement strategy.

What retirement topic would you like me to cover next? Let me know in the comments.

General information only. This information does not take into account your personal objectives, financial situation or needs. Consider seeking professional advice before making financial decisions.

In Part 1, we explored the pros and cons of lifetime income streams.

Now it's time to look at a real retirement case study.

This couple had:
🏡 Their home
💰 $600,000 in super
🎯 A retirement income goal of $75,000 per year

Rather than investing all of their super the same way, we modelled an alternative strategy.

The results were interesting.

In this video, I explain:
✅ How the strategy affected their Age Pension
✅ Why it reduced reliance on investment markets
✅ Why retirement planning is about more than simply chasing investment returns

Every retirement is different, but it's a good reminder that how you structure your retirement income can be just as important as how much you've saved.

Have you ever reviewed how your retirement savings are invested and structured, not just how much you have?

I'd love to hear your thoughts below.

General information only. This information does not take into account your personal objectives, financial situation or needs. Consider seeking professional advice before making financial decisions.

Would you ever trade some flexibility for the certainty of an income that lasts for life?

Lifetime annuities are one of the most misunderstood retirement strategies.

Some people immediately dismiss them because they don't like the idea of committing part of their super.

Others see them as a valuable way to reduce the risk of running out of money in retirement.

The reality? There are genuine pros and cons, and they're certainly not right for everyone.

In this first video of a three-part series, I explain:
✅ Why some retirees choose them
✅ The trade-offs to consider
✅ Why they can play an important role in the right retirement plan

Next time, I'll walk through a real retirement case study and show how a lifetime income strategy changed the outcome for a retired couple.

Would you value guaranteed income for life, or is flexibility more important to you?

I'd love to hear your thoughts in the comments.

General information only. This information does not take into account your personal objectives, financial situation or needs. Consider seeking professional advice before making financial decisions.