The Retirement After 50 Action Plan

Inside The Retirement After 50 Action Plan, you’ll work through the key financial decisions that shape retirement — one clear step at a time.

This is not just an ebook to read. It is a practical, fillable retirement-planning workbook designed for Australians aged 50+.

You’ll work through:

• Your Financial Snapshot — map your assets, debts, super, savings and investments so you can see your true starting position.

• Superannuation Check-Up — review your balances, fees, investment options, insurance, beneficiaries and contribution questions.

• Retirement Spending Planner — calculate your essential, lifestyle and irregular expenses so you can estimate what retirement may actually cost.

• Retirement Income Map — bring together super income, Age Pension, investments, employment, rent and other income sources.

• Age Pension Considerations — understand the key questions around the income test, assets test and how the Age Pension may fit into your overall retirement picture.

• Unexpected Expense Planner — work through how you might handle a large one-off cost such as a new roof, car, dental work or home repairs.

• Mortgage & Debt Review — assess what debt may remain at retirement and compare the options available to you.

• Downsizing Reality Check — calculate the real amount you may release after selling costs, buying another property, moving expenses and other costs.

• Investments Outside Super — organise shares, ETFs, cash, property and other investments and consider how accessible they are if you need funds.

• Retirement as a Couple — identify differences in retirement timing, priorities, finances and planning between partners.

• Working Longer or Phasing Into Retirement — explore what another year of work, part-time work or consulting may change.

• Retirement Overseas — consider cost of living, healthcare, currency, insurance, Age Pension portability and emergency planning.

• Emergency Reserve Worksheet — calculate a cash buffer based on your own spending and circumstances.

• Important Documents Checklist — organise wills, powers of attorney, beneficiaries, insurance, property records and key contacts.

• Questions to Ask Your Super Fund, Accountant and Financial Adviser — so you can have more useful conversations with professionals.

• Retirement Scorecard — identify which areas are strong, which need attention and which require action.

• 90-Day Action Plan — turn everything you discover into clear priorities, deadlines and next steps.

• One-Page Retirement Plan — finish with a simple summary of your retirement position, goals, risks and priorities.

The workbook is fillable and saveable, so you can type directly into it online, save your progress and revisit it later — or print it and complete it by hand.

The goal is simple: to help you move from “I hope I’ll be okay” to “I understand where I stand, what I need to focus on, and what my next steps are.”