Preparing your investments to take you to and through retirement.
Your carefully considered path to retirement
Retirement isn’t just a milestone—it’s a new phase of life that requires careful financial planning. When done right, it offers freedom, fresh opportunities, and the confidence to live life on your terms.
As you near retirement, striking the right balance between growth and security becomes crucial. While you're still focused on building wealth, it's just as important to manage the risks that come with this new stage. This requires a dual approach: continuing to grow your investments while thoughtfully preparing for the moment you begin drawing on them.
Introducing the Cornerstone Retirement Solution
The Cornerstone Retirement Solution is a smart strategy designed to help you navigate the financial challenges of retirement.
At the heart of this approach is the bucketing strategy—a simple yet effective way to structure your investments to match your income needs.
The bucketing strategy gradually shifts money into three distinct portfolios (‘buckets’) matched to your expected income needs in retirement. This approach ensures you always have a stable source of income while allowing your longer-term investments to grow.
Nearing Retirement
Your adviser helps structure your retirement savings based on your goals and risk tolerance, which divides your assets into three buckets to balance spending, security, and growth:
At retirement
Once you enter retirement, your adviser plays a crucial role in managing and replenishing your buckets over time by strategically moving money between them depending on how your goals and the market conditions change. This will ensure you have a steady and reliable income throughout retirement:
Planning for retirement can feel overwhelming, but you don’t have to navigate it alone. With your adviser and the Cornerstone Retirement Solution, you’ll have a structured, strategic approach designed to give you confidence in your financial future.
With the right approach, you can enter retirement with confidence and peace of mind, knowing you’re ready for the road ahead.
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Contact us
You can call Ironbark Advice on 1300 346 837 to speak to an adviser or book an appointment.
Ironbark Advice is the sponsor of the Cornerstone Financial Group Pty Ltd.
Ironbark Advice is comprised of the following wholly owned entities of Ironbark: Advice First Pty Ltd, Advisory Group Pty Ltd, ARTT Group Pty Ltd, Brisbane Financial Services Pty Ltd, Elevate Financial Solutions Pty Ltd, Emohruo Financial Services Pty Ltd, Invest Blue Armidale Pty Ltd, Invest Blue Brisbane Pty Ltd, Invest Blue Coffs Harbour Pty Ltd, Invest Blue Direct Pty Ltd, Invest Blue Gladstone Pty Ltd, Ogilvie Financial Services Pty Ltd, TDT (Tas) Pty Ltd, The Bravien Group Pty Ltd, Vintage Wealth Pty Ltd and Wainscott Financial Planning & Advice Pty Ltd, trading as Ironbark Advice are authorised representatives and credit representatives of Akumin Financial Planning Pty Limited, Australian Financial Services Licence and Australian Credit Licence No. 232706.
Countrywide Advice Pty Ltd and GrowUp Financial Pty Ltd trading as Ironbark Advice are authorised representatives and credit representatives of Charter Financial Planning Limited, Australian Financial Services Licence and Australian Credit Licence No. 234665.
GR & LC Thompson Pty Ltd trading as Ironbark Advice, is an authorised representative and credit representative of Hillross Financial Services Limited, Australian Financial Services Licence and Australian Credit Licence No. 232705. LFC Advice Pty Ltd (ABN 19 647 509 466) trading as Ironbark Advice, is a Corporate Authorised Representative of LFC Group Pty Ltd (ABN 35 644 576 965), AFSL 526600.