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Team

Raymond Kemsley – Principal

Raymond commenced the firm in 1974 after having trained and worked in a number of accounting firms. He is a member of the Institute of Chartered Accountants and specialises in financial planning and self managed superannuation funds.

Raymond can be contacted at [email protected].

Maria Miao – Accountant

Maria joined the firm in 2001 after many year experience in the accounting profession. She is a member of the National Institute of Accountants. Her broad experience allows her to provide excellent advice to individuals and business alike.

Maria can be contacted at [email protected].

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Transition to retirement

The transition to retirement (TTR) strategy allows you to access some of your super while you continue to work.

You are able to use the TTR strategy if you are aged 55 to 60. You can use it to supplement your income if you reduce your work hours or boost your super and save on tax while you keep working full time.

  • Starting a TTR pension: To start your TTR pension, transfer some of your super to an account-based pension. You have to keep some money in your super account so that you can continue to receive your employer's compulsory contributions as well as any voluntary contributions you may be making.
  • Government benefits and TTR: The benefits you or your partner receive might be impacted if you choose to opt for this strategy. How and what exactly will change might become clearer upon discussing this with a Financial Information Service (FIS) officer.
  • Life insurance and TTR: In some cases, the life insurance cover you have with your super may stop or reduce if you start a TTR pension – check this before making any decisions or changes.

TTR can help ease your mind as you transition into retirement but it can be a bit complex. Before you choose whether you want to use TTR to reduce work hours or save on tax, or even if you want to use TTR altogether, you should figure out how this will impact all aspects of your finances.

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