Business Owner Financial & Profit Literacy Workshop

Learn to manage money, invest wisely, and plan for a secure future with our Finance & Investment Courses in Sydney!

• How to figure out “how much is enough” using practical heuristics (clear rules of thumb, not guesswork)
• How the Age Pension works and where it may (or may not) fit into your plan (general education)
• How to manage longevity risk so you don’t run out of money
• How to reduce tax before retirement and position assets sensibly (general education)
• How inheritance, early giving, and family support can be structured to avoid accidental tax problems (general education)
• How to use a bucket system to create income, stability, and confidence across retirement
• How estate planning and investments outside super fit into a complete plan
• How to think through pre-retirement → retirement → aged care planning
• How to build peace of mind through structure, not constant monitoring

Learning outcomes

By the end of the course, participants will be able to:

• Use simple heuristics to estimate a retirement target number and test it under different scenarios
• Explain the basics of the Age Pension system and the key moving parts (general education)
• Identify key longevity risks (living longer, inflation, market sequencing) and apply strategies to reduce them
• List the main tax levers available before retirement (super contributions, timing, structure concepts — general education)
• Recognise common inheritance/early-gifting pitfalls and understand high-level tax considerations (general education)
• Build a bucket-based retirement plan that covers:
  • essential spending
  • lifestyle spending
  • long-term growth and legacy goals
• Understand how estate planning integrates with retirement outcomes (beneficiaries, wills, powers of attorney at a high level — general education)
• Map a pathway from pre-retirement to retirement and aged care readiness with clear next steps

Course content

What will be covered in this course?

Pre-retirement planning

1. How much is enough? (Heuristics + reality check)
   • Rules of thumb to estimate your target number
   • Testing scenarios: retire earlier/later, higher/lower spending, different market conditions
2. Saving tax before retirement (General Education)
   • Pre-retirement tax planning concepts
   • What to consider with contributions, timing, and investment structures
3. Investments beyond super
   • Why “super only” isn’t always the full solution
   • Non-super investments, cash reserves, property, and other vehicles (general education overview)

Retirement planning

1. Bucket systems for retirement income
   • The bucket framework to create stability + growth
   • Matching money to time horizons and spending categories
2. Longevity risk management
   • Living longer than expected, inflation, market sequencing risk
   • Practical strategies to reduce the risk of running out
3. Understanding the Age Pension (General Education)
   • Eligibility concepts, assets/income test basics
   • How to treat the Age Pension as a plan component, not the plan

Estate, inheritance, and intergenerational planning

1. Inheritance, early giving, and tax awareness (General Education)
   • Common traps with gifting and family support
   • The “invisible tax” issues people miss
2. Estate planning essentials
   • How your plan is carried forward
   • Basics: wills, nominations, powers of attorney, and intent (general education)

Aged care planning

1. Aged care readiness
   • Why planning early matters
   • The financial and practical lenses to consider (general education)

Peace of mind and implementation

1. Building confidence through structure

• Turning ideas into a simple action plan
• What to track, what to ignore, and how to stay calm during market noise

Intended audience

This course is ideal for:

• Australians in pre-retirement (45–65) who want a clear target and pathway
• New or existing retirees who want a more structured income plan
• Couples and singles who want to understand:
  • the Age Pension (general education)
  • longevity risk and retirement income sustainability
  • how to reduce tax and avoid common inheritance/gifting pitfalls (general education)
  • estate planning and aged care considerations
• People seeking peace of mind, not complexity or jargon

Course materials

What to bring to class

• Notebook and pen or Laptop
• Calculator

Additional information

Please note the following:

• No prior financial knowledge required.