It doesn’t matter how old you are or how much money you earn—we believe that everyone should be planning their finances for retirement.
When it comes to funding a retirement, generally speaking, there are two options available:
You can rely on the government pension, or
You can fund your retirement yourself.
Relying on the government pension is the preferred option for many Australians, however the amount of money you receive each fortnight may limit your lifestyle.
For example:
Will you want to retire with enough money to enjoy all of the luxuries Noosa Shire has to offer?
Will you want to travel, or buy a motor home, or have the freedom to purchase larger items without having to worry about money?
Or will you want to leave a legacy or inheritance for your children and beyond?
If these questions strike a chord with you, you may want to plan for a self-funded retirement.
The question is, how do you fund your own retirement?
The answer: You need a carefully designed and executed financial plan.
We believe there are seven key elements to a “real” financial plan:
You require an actual written plan. Studies have shown that you’re 50% more likely to achieve a goal if it is written down. Financial planning is no different.
Your plan is your northern star for all financial and investment decisions. Your plan must guide everything you do when it comes to investments, lending, etc.
Your investments are important, but they are never the main focus. Many people think that a financial plan is just a list of investments you need to acquire. While investments are critical to a plan, they are only the ‘fuel’ that push it along.
Your plan has a list of strategies. And surprisingly, a great financial plan is not convoluted nor complex. Instead, it is just the basics, done well.
The plan is reviewed regularly. No plan is ever “set and forget”.
The plan covers all important items: insurance, wills, loans etc. Not just the fun things!
A clear action list is in place at all times, and is reviewed regularly. Your plan will need optimising as you, and your portfolio, mature.
Retiring In Noosa Is Wonderful… Here’s What We Love About It
Noosa, formally known as “Noosa Shire”, is one of Australia’s most popular coastal destinations. It offers both a wonderful lifestyle for residents and an exciting destination for interstate and international visitors. Situated on the Sunshine Coast, 136 kilometres north of Brisbane, Noosa’s geography and natural features create a wonderful, picturesque setting for a relaxing, modern lifestyle or a visit with friends or family.
The Noosa Shire is a kaleidoscope of natural features that make it an ideal place to live or visit. The Shire features river systems, wetlands, heath plains, ranges, woodlands, rainforests and stunning sand dunes and beaches.
The Noosa National Park is the centrepiece of the Shire and possesses some of Queensland’s most picturesque coastline. The park is home to wonderful walks and some incredible native flora and fauna. The Laguna Lookout, featuring views of the coast, Noosa River and nearby waterways, is a must-visit for anyone exploring the park.
The Noosa Shire covers roughly 870 square kilometres and boasts a population of about 56,000 people. Notable suburbs or townships in Greater Noosa include:
Noosa Heads, also knows as the tourist ‘heart’ of the region. This settlement features an iconic beach and a popular strip (Hastings Street) boasting hotels, shops, restaurants, bars, and cafes. Noosa Heads’ boundaries include the Noosa River and the headlands of the Noosa National Park.
Sunrise Beach, a town and suburb with a population of about 3,500 people.
Sunshine Beach, a town and suburb with a population of about 2,400 people.
Tewantin, a town and suburb with a population of about 11,000 people.
Castaways Beach, a town and suburb with a population of about 650 people.
Other towns or suburbs in Noosa Shire include:
Black Mountain
Boreen
Boreen Point
Como
Cooran
Cooroibah
Cooroy
Cooroy Mountain
Cootharaba
Doonan
Eerwah Vale
Federal
Kin Kin
Lake Macdonald
Noosa National Park
Noosa North Shore
Peregian Beach
Pinbarren
Pomona
Ridgewood
Ringtail Creek
Teewah
Tinbeerwah
Noosa’s Lifestyle
Noosa’s lifestyle is a drawcard for residents and tourists alike. Here are some of the best places to visit in the Noosa Shire:
Hotels
Seahaven Noosa Resort, featuring one, two and three-bedroom apartments right on the waterfront at Noosa Main Beach.
Sofitel Noosa, a luxurious hotel featuring an incredible pool area (and pool bar) and other premium facilities associated with the Sofitel brand. This hotel is situated on Hastings Street.
Tingirana, a Hamptons-style hotel offering studio rooms and one and two-bedroom apartments.
Peppers Noosa Resort And Villas, a resort offering a restaurant, bar, fitness centre, pools, and more. Located 500m away from Laguna Bay beach.
Restaurants
Bistro C, a well-known restaurant and bar situated right on the waterfront at Noosa Main Beach. You can access Bistro C via Hastings Street.
Ricky’s River Bar + Restaurant, an elegant eatery a little further away from Hastings Street. Known for their Moreton Bay Bug.
Noosa Beach House, founded by celebrity chef Peter Kuruvita in 2013. You might want to check out his newest offering, too: ALBA.
Sails Beach Restaurant & Bar, a multi-award-winning eatery set on Noosa’s beachfront. You can expect delicious modern Australian cuisine. They have one of Noosa’s largest selections of wine, too.
Special note: what’s a coastal settlement without its surf clubs? Check out Noosa Heads Surf Life Saving Club, situated at the eastern end of Hastings Street.
Bars
Moonstruck, a somewhat Parisian-themed cocktail bar in Noosa Heads. Go here to sample gins made by passionate local distilleries.
Theo’s Social Club, a thriving wine bar featuring all your favourites and some short-run/limited-release gems, too.
Miss Moneypenny’s, a popular cocktail bar and restaurant on Hastings Street. Drop in for one of their fun cocktail making classes.
Embassy XO, a wine bar and cocktail bar at Sunshine Beach. Its notable features include a fireplace, yum cha snacks, and an awesome cocktail list.
Cafes
Jungle And Co, a health-focussed café offering mouth-watering probiotic and prebiotic-rich foods.
Larder and Baked, a contemporary morning eatery offering smoothie bowls, salads, sandwiches, poke bowls and cold-pressed juices.
FOMO, a breakfast-and-lunch restaurant offering your favourite meals right only a few minutes away from Sunshine Beach.
Café Le Monde, a classic Hastings Street icon. Grab a coffee or breakfast… or stay later for lunch, dinner, or an evening drink.
Shopping & Markets
There are plenty of places to shop in the Noosa Shire, including:
Hastings Street, Noosa Heads. This bustling strip features a colourful offering of local boutiques and big-brand names. You’ll find boutique clothing, jewellery, designer furniture, beauty products, surfware, and more.
Noosa Junction, featuring laneways and arcades brimming with shops and stores of all kinds.
Noosaville, where you’ll also find a vibrant mix of shopping opportunities.
Shopping centres at Noosa Junction, Noosa Village Shopping Centre, and Noosa Civic Shopping Centre.
Eumundi Markets, every Wednesday and Saturday.
Noosa Farmer’s Market, every Sunday.
Noosa’s Attractions
There’s lots to do in Noosa. Here are a handful of attractions that cater to all kinds of tastes.
The Great Outdoors
Catching the sun at one of Noosa’s world-class beaches. You have plenty of options, including Noosa Heads Main Beach, Sunshine Beach, Noosa North Shore, Peregian Beach, Sunrise Beach or Castaways Beach.
Bushwalking in Noosa National Park. There are plenty of walks to choose from—simply check out the National Parks website to learn more.
Walking along Noosa River, Noosaville. Plenty of riverfront paths take walkers to beautiful parts of Noosaville, including fun outdoor exercise equipment.
Exploring the Noosa Everglades. Stunning wetlands and waterways await outdoor explorers. You can choose to explore via kayak, canoe, or boat.
Checking out Laguna Lookout. This exciting lookout provides some pretty incredible views of Noosa National park, Noosa Heads, and the Glass House Mountains.
Beauty Spas
City Cave Noosa, featuring float therapy, infrared saunas and massage rooms. If you’re looking for a great way to relax and unwind, check this out.
The Facialist Noosa, offering “high performance, relaxation-focused” facials.
Stephanie’s Ocean Spa, featuring 11 spa therapy suites and a relaxing “Rain Therapy” suite.
The Noosa Biosphere
In 2007, the Noosa Shire was officially designated as the “Noosa Biosphere Reserve” by UNESCO (the United Nations Educational, Scientific and Cultural Organisation). This designation demonstrates the success of the community’s efforts to manage Noosa’s land, water, and wildlife sustainably.
This incredible status was achieved after UNESCO assessed Noosa Shire’s natural landscape, cultural elements and history, regulatory systems, governmental processes, alongside social, economic and political activities.
Some facts about the Noosa Biosphere Reserve:
The Noosa Biosphere was the first recognised biosphere reserve in Queensland.
It neighbours the Great Sandy Biosphere to the north. This makes Southeast Queensland the only place in the world to have two conjoined biosphere reserves.
It covers more than 150,000 hectares of terrestrial and freshwater/tidal areas.
Nearly 40% of the biosphere is either a protected national park, State forest, water system, or conservation park.
The biosphere consists of 61 individual ecosystems. 8 are considered to be endangered, and 12 are considered “regionally significant”.
The biosphere features 2,346 plant species and 3,023 wildlife species.
For the past 20 years, we’ve been providing the residents of Noosa Shire (and beyond) with tailored financial planning and advisory services. When you work with us, we create a customised financial plan designed to fit:
Your own personal circumstances (no “cookie cutter” plans)
The people and things that are most important to you
Your own personal life goals (eg. luxury travel, or buying a Harley Davidson, or spoiling your grandkids, or philanthropy, and so on)
Your challenges, priorities, and concerns
No financial plan should ever be “set and forget”. For most of our clients, we provide an ongoing advisory service that including regular review meetings (either over Zoom or here in our beautiful new office in Noosaville), regular communications, refinements to your plans based on your life events, and additional strategies and investments as you need them. Your success is our success.
Our services include:
Wealth creation
Financial planning
Estate planning
Superannuation advice
Self-managed superannuation
Tax strategies
Asset protection strategies
Debt management
Cashflow modelling
Centrelink and DVA
Pension strategies
Redundancy Advice
Our founder and director Rob McGregor has lived locally for more than 20 years. He has won numerous awards including Sunshine Coast Business of the Year (two times), Adviser of the Year, BRW Top 100 Firms, and more. He is a proud supporter of Noosa’s “Association of Independent Retirees”. Personally, Rob is an avid surfer and is very active at his local surf club where he is Treasurer, Patrol Captain, and coach of the Nippers.
Interested In Learning More? Here’s The Next Step
If you’d like to discover what’s possible for you in retirement, you might be interested in our free “Wealth Potential Strategy Meeting”.
This Strategy Meeting isn’t a thinly disguised sales pitch, nor is it a dull “talk-fest”. Instead, you’ll walk away from this session with a greater feeling of clarity around your financial future.
To be more specific, in your Wealth Potential Strategy Meeting we’ll explore:
1. Your current situation – where you are now
We’ll take stock of your current finances, assets, income, and liabilities. We’ll use this time to get a deep understanding of where you are now, so we can plan the best pathway to get you to where you want to be.
2. Your desired situation – where you’d like to be when you retire
Next, we look at your desired outcome, or, what you’d like your finances to look like when you retire. Let’s get very specific about your goals at this stage, including:
How much money you’d like to have, in cash, when you retire each year. Usually, if you’re good earners, you should be able to to plan for at least $100k income each year (we call this a “six figure retirement”).
What you’d like your lifestyle to look like. Will you want to travel each year? Will you want to buy a campervan and/or four wheel drive? Will you want to eat at a nice restaurant once a week? Or do you have another luxury in mind?
And more. It’s important to get very specific about your goals, so we can work towards them in the next stage, which is where we start to assemble…
3. A plan to get you there
Lastly, we’ll chat about a strategy for creating the retirement of your dreams.
If we both decide that we’re a fit to work together, we can chat about that too. Regardless of your future intention, there’s a heap of value (and sense of control and calmness) awaiting you after this session.
Many participants of our Wealth Potential Strategy Meeting find that, simply by engaging with the process, that they feel more in control of their financial future.
Getting started is easy. Complete the form here and one of our friendly specialists will call you to arrange a time for your free Wealth Potential Strategy Meeting.
