Prepared for Chris Strano
Deliverables below
Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
It's Sunday night. If you didn't have to go to work tomorrow, what would you do with the week?
After a sleep-in, perhaps you'd get out into the garden or see friends you usually struggle to catch up with. You might want to join a club, or spend part of the year away.
Thinking about an ordinary week helps make retirement less vague. Some costs may disappear with work, while the things you now have time to do could bring new ones.
Toro Wealth helps you connect those plans with your finances. We use your goals and current position to work through what retirement could look like for you.
If you'd like help planning for the weeks after work finishes, click the link to arrange a free initial consultation.
For years, you've known when your next pay would arrive. How would you organise your money once that stops?
The electricity bill and insurance payments will still come through. But your retirement income may arrive from different sources, at different times.
You might draw money from super when you're eligible, use savings, or receive income from other investments. The amounts and timing need to be considered alongside what you're spending.
At Toro Wealth, retirement planning includes looking at that cash flow, so you can understand how your everyday spending could be covered. We also look further ahead at how drawing on those funds affects your position over time.
Click the link to ask us about planning an income after your salary ends.
Partner A: I'd like to retire at the end of the year.
Partner B: I don't think I'm ready to stop yet.
Partner A: You don't have to. I just don't want to keep working because we're waiting for the same date.
Partner B: I wasn't expecting you to. I was thinking about whether we'd still manage on my pay.
Partner A: We'd need to work that out. I don't want you feeling like you have to keep working for both of us.
Partner B: And I'd want to know what happens when I finish too.
Narrator: Different retirement dates mean planning for different stages of household income. Toro Wealth can help you look at the period when one of you is working and what follows when both of you stop.
Narrator: To discuss retirement plans that allow for both of you, click the link.
Would working for another year make enough difference to your retirement to be worth it?
It could give you more time to save and reduce how long you're drawing on your savings. But how much that changes your position depends on what you earn, what you spend and what you already have.
Toro Wealth uses financial projections to explore questions like that. We can compare different retirement dates using your circumstances and explain the assumptions behind the results.
A projection won't tell you exactly what the future will bring. It can show how changing a decision may affect your finances, so you have more to go on than a guess.
For help comparing your retirement options, click the link and enquire about a free initial consultation.
You spent years trying to build your savings. Spending them in retirement can feel uncomfortable, even when that's what you saved for.
Without a salary replacing the money that goes out, you might hesitate over things you'd looked forward to. A trip gets put off, or you keep checking your balance after an ordinary purchase.
It can help to have a plan for how much you'll need to draw and how that may affect your savings over time. Then you have something to refer to when you're making spending decisions.
Toro Wealth provides personal retirement advice and projections based on your circumstances. We can help you examine the spending you're unsure about.
Click the link to start a discussion about using your savings in retirement.
The date and income questions belong together
If you're approaching retirement, two questions usually sit side by side: when could you retire, and what income could your finances support after work?
One account balance can't answer either question on its own. Your super, investments, spending plans, tax position and timing all affect the same retirement.
This is general information, not personal financial advice.
Start with your position today
A useful retirement plan begins with the facts: what you own, what you owe, what you're contributing, how you invest and what you expect to spend.
It also begins with the life you want the finances to support. That may include travel, helping family, keeping your home or simply knowing regular expenses are covered.
Project the path ahead
The next step is to project where your current path may lead. A projection tests assumptions, compares options and shows which decisions may deserve attention while you're still working. It doesn't promise an outcome.
The preferred retirement date may look supportable, or the projection may show a gap. Either result is more useful when the assumptions are visible and you can discuss what could change.
Turn the projection into decisions
Toro Wealth publishes a retirement-planning process that brings the relevant financial decisions together in a tailored plan.
Depending on your circumstances, that discussion may include superannuation, investments, tax planning, retirement-income options, Centrelink and estate-planning considerations.
The point is to decide what needs attention, what can wait and what each choice means for the retirement you're planning.
Why start before work stops
Planning before retirement gives you time to consider changes while employment income and super contributions may still be part of the picture.
Toro Wealth specialises in retirement planning for Australians aged 55 and above. The firm says it doesn't charge ongoing fees or receive commissions. Any advice, scope and cost still need to be explained for your individual situation before you proceed.
The call
Toro Wealth offers a free 60-minute retirement strategy session. Use it to explain the retirement you have in mind, ask what information would be needed and understand how the advice process works.
A finished plan isn't required before that conversation. Bring your preferred retirement timing, a rough picture of spending and the financial information you already have.
Call to action
The question worth bringing to the call is when you may be able to retire and what your finances may support. You don't need to turn it into a technical brief before you ask it. A useful starting point is the decision in front of you, the time you have to make it and the parts of your financial position that may be affected.
The review should also leave room for different paths. You may keep working for longer, reduce your hours, change how you invest, help family or adjust what you expect to spend. No projection can predict every future event. Making the assumptions visible so you can see what would need to change if your priorities changed.
It's reasonable to ask what the advice process includes, what information the team needs and how recommendations are explained. You can ask how the proposed work relates to advice you already receive, whether your accountant or solicitor remains involved and what the fees would apply to. Ask those questions during your first planning discussion before you decide whether to proceed.
That first planning discussion can also separate decisions that need action now from decisions that can wait. If every issue is treated as urgent, a plan can't give you a useful order of priorities. A clear plan gives you a way to prioritise, revisit assumptions and understand what the next review is meant to answer.
It should leave you with a better question if the first question turns out to be too broad. That's still progress, because the next decision can be made with a clearer view of the information it actually needs.
You may also wonder whether advice is useful when you already have a super fund, investments or a plan of your own. That depends on the gaps in the current picture. The useful work may be checking whether the arrangements still match the goal, or understanding a decision you've been putting off. You might find that no further work is needed yet. A proper conversation should make that clearer.
The right fit is someone who wants the relevant decisions explained clearly and is prepared to share enough information for the advice to be personal. It won't suit someone looking for a guaranteed return, a product chosen before the circumstances are understood or a financial outcome that no adviser can promise.
If this is the question you want to work through, complete the form below this video and answer it as accurately as you can. Your answers help the team understand whether your planning discussion is relevant and what you would like to discuss. The planning conversation should make the next decision clearer, not create another layer of uncertainty.
Book a free retirement strategy session with Toro Wealth to discuss when you may be able to retire and what your finances may be able to support.
This video provides general information only. Personal financial advice must take your objectives, financial situation and needs into account.
Estimated length: 60-75 seconds
Thanks for booking a free retirement strategy session with Toro Wealth.
Your planning discussion starts with the retirement you want: when you would like work to become optional, what you expect life to cost and which questions you want answered.
From there, the adviser can explain which financial information is needed to assess your position. That may include super, investments, cash, debt, contributions and other expected income.
You don't need a finished plan or perfectly organised paperwork. Bring the information you have and a rough picture of the outcome you want.
The short videos below explain how to prepare for the session.
Estimated length: 45-60 seconds
Start with the life behind the number.
Think about regular living costs, travel, home maintenance, helping family and any larger plans you want retirement income to cover.
A rough monthly or annual estimate gives your planning discussion a practical starting point. It can be refined later when the details are known.
The aim is to connect your preferred lifestyle with the finances that may need to support it.
Estimated length: 45-60 seconds
Bring your latest super and investment balances, cash savings, debts and current contribution details if they're available.
Also note any income or assets that may affect retirement but aren't obvious from those statements.
You don't need every document before the call. A clear starting picture helps identify what information would be needed for formal advice.
Estimated length: 45-60 seconds
A retirement projection tests assumptions about timing, spending, savings, investments and other income.
It shows where a set of assumptions may lead and helps compare the choices available without guaranteeing a result.
The useful output is a clearer decision: what deserves attention now, what can wait and what could change the retirement picture.
Estimated length: 45-60 seconds
Use the strategy session to explain your goals, ask questions and understand Toro Wealth's planning process.
If personal advice is relevant, the scope, information required and cost should be clear before you decide whether to proceed.
Toro Wealth says it doesn't charge ongoing fees or receive commissions. Ask how that model applies to the work being discussed.
This is general information only. Personal advice must take your objectives, financial situation and needs into account.
One question to bring to your retirement session
Preview: Your preferred retirement date gives your planning discussion a practical starting point.
Send: Immediately after booking
Hi there,
Thanks for booking a free retirement strategy session with Toro Wealth.
Before the call, write down when you would like work to become optional. It can be a specific date, an age or a rough range.
You don't need to know whether that timing is achievable yet. Your planning discussion starts with what you want retirement to look like, then considers the financial information needed to assess it.
Kind regards,
Toro Wealth
What would retirement need to pay for?
Preview: A rough spending estimate is enough to begin the discussion.
Send: Day 1, morning
Hi there,
Think about the regular life you want in retirement, plus larger plans such as travel, home improvements or helping family.
Bring a rough annual or monthly spending estimate if you have one. It doesn't need to be perfect. The aim is to connect the lifestyle you want with the income your finances may need to support.
Kind regards,
Toro Wealth
Bring the pieces that fund retirement
Preview: Super, investments, cash and debt can affect the same projection.
Send: Day 1, afternoon
Hi there,
Your latest super and investment balances, cash savings, debts and current contributions can help build a clearer starting picture.
You don't need to prepare a formal report. Bring the information you can access and note anything important that isn't shown in an account statement.
Kind regards,
Toro Wealth
What do you want the plan to make clearer?
Preview: Write down the decisions you want to understand before the call.
Send: Day 2, morning
Hi there,
You may want to ask when you could retire, what income your finances could support, whether your current strategy is on track or which decisions deserve attention first.
Write down the questions you don't want to leave unanswered. They will help keep the call focused on your situation.
Kind regards,
Toro Wealth
A simple checklist for your Toro Wealth session
Preview: Your goal, rough spending and current financial information are enough to start.
Send: The day before the consultation
Hi there,
For tomorrow's conversation, bring your preferred retirement timing, a rough spending estimate, current super and investment information, and the questions you want answered.
If some details are missing, that's fine. The first session is a place to understand the planning process and identify the useful next step.
See you soon,
Toro Wealth
When could you actually retire?
Preview: Start with the date you want, then test it against your finances.
Hi there,
A retirement date is more useful when it's connected to the income your finances may be able to support.
That means looking beyond one balance. Super, investments, spending, tax and timing all affect the projection.
Toro Wealth offers a free 60-minute retirement strategy session for Australians who want to discuss that picture.
Kind regards,
Toro Wealth
Do your retirement decisions point in the same direction?
Preview: Separate accounts and decisions still support the same retirement.
Hi there,
It's easy to review super, investments and tax at different times. Each decision can still affect the same retirement date and income goal.
A tailored retirement plan brings the relevant pieces together, tests the assumptions and shows which decisions may deserve attention.
Kind regards,
Toro Wealth
What does your current path support?
Preview: A retirement projection helps turn assumptions into decisions.
Hi there,
A projection shows where your current path may lead, helps compare options and identifies a possible gap before retirement. It doesn't guarantee an outcome.
The assumptions should be visible: timing, spending, contributions, investment returns and other income all affect the result.
Kind regards,
Toro Wealth
Why look at retirement before work stops?
Preview: Earlier planning can leave more time to consider available changes.
Hi there,
If retirement is close enough to think about, there may still be choices available while you're working.
You don't need every answer today. What helps is enough time to understand the path and consider what may need to change.
Kind regards,
Toro Wealth
Bring your retirement questions to the table
Preview: Toro Wealth publishes a free retirement strategy session for Australians aged 55 and above.
Hi there,
Toro Wealth specialises in retirement planning for Australians aged 55 and above and offers a free 60-minute retirement strategy session.
Bring your preferred retirement timing, a rough spending estimate and the questions you want answered. The session can help you understand what information and planning work may be relevant.
This email provides general information only, not personal financial advice.
Kind regards,
Toro Wealth
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We handle every piece of the build, deployment, and the first 30 days of campaign management. You film, we run.
If yours isn't here, it's the first thing we'll cover on the call.
