Will Your Retirement Savings Go the Distance? Planning for 25+ years of Financial Independence
- Norma Falconer
- Jan 26
- 5 min read
Updated: Feb 15
It’s important to understand how long your savings need to last for, on average, in retirement. This will help you to plan accordingly, and ensure you don’t either run out of money later in life or that you don’t spend as much as you can afford to.
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Can Your Retirement Savings Stand the Test of Time?
Retirement is a time to embrace freedom and fulfillment—but it also requires careful financial planning to ensure your savings last. With Australians spending an average of 25+ years in retirement, longevity poses a significant challenge: how do you ensure your savings support you through every stage of this journey?
At Think Capital Advice, we believe in empowering you with prudent advice, practical solutions, and progressive results. Our approach is designed to provide certainty, confidence and control, ensuring your financial future aligns with your dreams.
Let’s discuss why planning for a long and fulfilling retirement is critical—and how we can help.
The Longevity Challenge: Will Your Savings Last?
Australians are living longer than ever before. Consider these key facts:
Average life expectancy at 65 is 83 for women and 82 for men.
Projected life expectancy improvements mean many retirees could live into their late 80s or early 90s.
Couples face an even longer horizon, with a joint life expectancy increasing the likelihood that one partner will live significantly longer.
This increasing longevity means your retirement savings need to stretch further. Without the right strategy, there’s a risk of either running out of money or not fully utilising your wealth to enjoy your retirement.
How to Structure Your Retirement Income for Longevity and Peace of Mind
At Think Capital Advice, we specialise in developing tailored retirement income strategies to provide longevity, flexibility, and security.
Here’s how we can help you structure your income to provide peace of mind, financial independence, and the freedom to fully enjoy your retirement:
Guaranteed Income Streams Incorporating a lifetime annuity can provide a regular income for life, removing the fear of outliving your savings. This predictable income acts as a foundation for your retirement budget.
Superannuation Income Streams
Drawing from your superannuation in a tax-effective manner ensures you have access to reliable income while maximising your retirement savings.
Diversified Investments
A well-diversified portfolio tailored to your risk tolerance can provide growth to support income needs over the long term, while protecting against market volatility.
Flexible Access to Funds
We design strategies that balance fixed income sources with flexibility, ensuring you can adapt to unexpected expenses or changing lifestyle needs.
Ongoing Review and Adjustments
Life changes, and so do financial circumstances. We partner with you to regularly review your plan, ensuring it stays aligned with your goals and financial health.
Your Partner in Securing Retirement Confidence
At Think Capital Advice, we understand that no two retirees are the same. That’s why our solutions are designed to meet your individual circumstances, helping you achieve financial clarity and peace of mind.
Here’s what sets us apart:
Prudent Advice: We focus on understanding your unique goals, values, and concerns to create strategies that are both thoughtful and effective.
Practical Solutions: Our comprehensive approach addresses every aspect of your financial wellbeing—cash flow, tax strategies, superannuation, and risk management.
Progressive Results: We partner with you for the long term, ensuring your retirement plan evolves to remain robust and relevant in a changing world.
Take the First Step Towards Retirement Confidence
Longevity doesn’t have to mean financial uncertainty. With the right strategy, you can enjoy every moment of your retirement without worrying about whether your savings will last.
Think Capital Advice is here to guide you every step of the way.
📞 Access our calendar to schedule a strategy call.
🌐 Visit our website to explore how we can help you create a retirement plan that stands the test of time.
Your retirement should be a time of freedom and joy. Let Think Capital Advice provide the expertise and support to make that a reality.
Take the first step today. Schedule a strategy call to see how we can help you turn your financial goals into a reality.
At Think Capital Advice, we believe in empowering our clients with tailored financial strategies to achieve their goals. Curious to know more about who we are and what drives us? Visit our About Us page to learn about our mission, values, and how we’re committed to delivering prudent advice, practical solutions, and progressive results. Let’s create a better financial future together!
 | Norma Falconer is a Business Owner, Entrepreneur, Financial Planner, Portfolio and Invesment Manager, Personal Insurance Specialist and Estate Planner, in Australia, renowned for her prudent advice, practical solutions, and progressive results. As the Founder of Think Capital Advice, Norma combines deep technical expertise with a compassionate, personalised and client-centric approach. Norma specialises in guiding high-income-earning business owners, professionals and their families toward achieving their version of financial independence. Her dedication to excellence is matched by a commitment to making complex financial concepts accessible and actionable for her clients. She is Professionally Licensed, FASEA-accredited, a Tax (Financial) Adviser, and holds multiple qualifications, including a Post-Graduate Diploma of Financial Planning and certifications in results coaching. Beyond her professional achievements, Norma is an advocate for community empowerment and has served on various boards, including Swan City Youth Service and the Business Women’s Association. She is also a recognised speaker and media contributor, sharing insights that simplify the path to financial independence. Leveraging over 35 years of working with high-net wealth families, the team at Think Capital Advice excel in working with you to improve financial stability through maximising cashflow, growing wealth, utilising tax-effective strategies, and ensuring that your legacy is protected. Learn more at Think Capital Advice. |
References
1 National Seniors Australia (2014). How realistic are senior Australians’ retirement plans? 2 Australian Bureau of Statistics, Australian Historical Population Statistics, 2019 3 Australian Life Tables 2015-17 with 25-year mortality improvement factors from the Australian Government Actuary 4 Challenger estimates calculated using Australian Life Tables 2015-17 with 25-year mortality improvement factors from the Australian Government Actuary for a 66-year old couple 5 Challenger Adviser Resources
Warning - General Advice Only | Important notice
The information provided in this article and on this website is general information only. It has been prepared without taking into account your individual financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. You should obtain a Product Disclosure Statement relating to the products mentioned on our website. We can assist you in determining the appropriateness of any product or information mentioned on this website.
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