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In our most recent retirement webinar, Riley Jan and Samuel Boon, advisers here at Cruz, sat down to unpack what real retirement readiness looks like. They walked through the key strategies, common pitfalls, and the practical steps retirees can take to set themselves up confidently.

Takeaways
• Retirement isn’t about hitting a specific age, it’s about being financially ready.
• Knowing your cash flow is one of the most important foundations of a strong retirement plan.
• Building a budget with clear fixed vs discretionary expenses makes planning far easier.
• Easing into retirement with a phased approach can help the transition feel smoother.
• Keeping at least 12 months of living expenses as a cash buffer is a smart safety net.
• The order in which your investment returns occur can dramatically affect how long your money lasts.
• Estate planning ensures your superannuation passes to beneficiaries in a tax-efficient way.
• Reviewing your financial plan regularly is essential as life and markets evolve.
• Using a transition-to-retirement strategy can boost flexibility and income options.
• Staying in close communication with your advisers can make a big difference in long-term outcomes.

Summary
Riley and Sam’s conversation provided a comprehensive look at retirement planning, focusing on readiness rather than age. They explored pre-retirement planning, transitioning strategies, and long-term sustainability, covering everything from cash flow and buffers to estate planning and superannuation. Their discussion reinforced the importance of reviews and ongoing communication to keep your retirement plan aligned with your goals.

Chapters
00:00 – Introduction and Overview of Retirement Planning
02:54 – Pre-Retirement Planning Strategies
06:02 – Transitioning to Retirement: Phased Approaches
25:03 – The Retirement Event: Key Considerations
33:22 – Post-Retirement Planning and Sustainability
47:43 – Estate Planning and Superannuation Benefits
55:34 – Q&A Session and Closing Remarks