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Choosing the right retirement planner is a critical decision that can significantly impact your financial security and quality of life in retirement.

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In Australia, where the retirement planning landscape is complex and ever-changing, finding a professional who can navigate these waters and provide tailored advice is paramount. This article offers valuable insights into selecting a retirement planner that aligns with your financial goals and needs.

Understand their qualifications

In Australia, retirement planners must possess specific qualifications to offer financial advice. The minimum standard is a diploma in financial planning; however, many professionals go further, obtaining an advanced diploma or a degree in financial planning or a related field.

Key points:

- ASIC registration: Ensure the planner is registered with ASIC. This registration provides a level of oversight and standards.
- Financial Planning Association (FPA) membership: Membership in the FPA or another professional body indicates a commitment to ongoing education and ethical standards.

Assess their experience and specialisation

Experience in retirement planning is crucial, as it ensures that the planner has dealt with a wide range of scenarios and challenges. A planner who specialises in retirement planning is likely to offer more nuanced and effective advice than a generalist.

Key points:

- Years of experience: Consider the planner's years of experience, particularly in the area of retirement planning.
- Clientele: Ask about the types of clients they typically work with. A planner experienced in working with clients similar to you in terms of assets, goals, and financial complexity can be more effective.

Evaluate the services offered

Retirement planning encompasses more than just superannuation advice. It involves a comprehensive approach that includes estate planning, tax strategies, investment management, and more.

Key points:

- Comprehensive planning: Look for a retirement planner who offers a broad range of services and can provide holistic financial advice.
- Customisation: Ensure they tailor their services to your specific needs, rather than offering a one-size-fits-all solution.

Consider their fee structure

Understanding how a retirement planner charges for their services is crucial. Fee structures can vary widely, and it's important to choose one that is transparent and aligns with your financial situation.

Key points:

- Fee-for-service v commission: A fee-for-service model is often more transparent and eliminates potential conflicts of interest that can arise from commission-based compensation.
- Cost transparency: The planner should be upfront about all costs associated with their services, including any ongoing fees.

Check references and reviews

Before making your final decision, check references and reviews from current and former clients. This can provide insight into the planner's reliability, communication style, and effectiveness.

Key points:

- Client testimonials: Request testimonials or case studies from the planner.
- Online reviews: Look for reviews on independent platforms or financial advice forums.

Schedule a consultation

Finally, schedule an initial consultation with the retirement planner. This meeting is an opportunity to assess whether their communication style matches your preferences and to ask any remaining questions you may have about their approach and services.

Key points:

- Preparation: Come prepared with questions about their qualifications, experience, and how they can help you achieve your retirement goals.
- Rapport: The consultation is also a chance to gauge whether you feel comfortable with the planner and confident in their ability to manage your retirement planning.

Conclusion

Choosing the right retirement planner in Australia is a significant step towards achieving a secure and fulfilling retirement.

By focusing on qualifications, experience, services offered, fee structure, and references, you can find a professional who not only meets your financial planning needs but also aligns with your values and goals.

Remember, the right planner is a partner in your financial journey, helping you navigate the complexities of retirement planning with confidence and clarity.

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Choosing the right retirement planner is a critical decision that can significantly impact your financial security and quality of life in retirement.

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Retirement planning is a crucial aspect of financial well-being, especially in a country like Australia, where the landscape of superannuation and retirement benefits is continually evolving.

" ["fulltext"]=> string(4434) "

 As we approach 2024, Australians need to stay informed about the latest changes in laws and adopt effective financial strategies to ensure a comfortable retirement.

This guide provides an overview of the essential components of retirement planning in Australia, highlighting recent legal changes and offering strategies for the upcoming year.

Understanding superannuation changes

Superannuation remains the cornerstone of retirement planning in Australia. Recent changes to superannuation laws aim to enhance the retirement savings of Australians by making the system more efficient and beneficial for individuals.

Key changes for 2024:
- Contribution caps: Keep an eye on adjustments to the concessional (pre-tax) and non-concessional (after-tax) contribution caps, as these can impact your strategy for building your superannuation.
- Super guarantee rate: The Superannuation Guarantee rate is set to increase, ensuring that a higher percentage of your salary is contributed to your super fund by your employer.
- First home super saver scheme: Changes to this scheme may allow individuals to use a portion of their superannuation to purchase their first home, affecting how some may choose to allocate their super contributions.

Tax implications for retirees

Taxation can significantly impact your retirement savings and income. Understanding the tax implications for retirees and planning accordingly is essential for maximising your net retirement income.

Strategies for 2024:
- Income streams: Consider the tax implications of different retirement income streams, such as account-based pensions or annuities, and how they fit into your overall retirement plan.
- Tax-free threshold: Make use of the tax-free threshold and the low-income tax offset to reduce taxable income in retirement.
- Estate planning: Stay informed about any changes to tax laws affecting estate planning, ensuring that your assets are distributed according to your wishes in a tax-efficient manner.

Investment strategies for retirement

With the retirement landscape shifting, diversifying your investment portfolio outside of superannuation can provide additional income streams and financial security in retirement.

Key considerations:
- Asset allocation: Adjust your asset allocation based on your risk tolerance and time horizon, focusing on a mix of growth and income-producing investments.
- Property investment: Consider the role of property investment in your retirement plan, including the potential for rental income and capital growth.
- Emerging opportunities: Stay abreast of emerging investment opportunities, such as green bonds or technology funds, which could offer growth potential for your retirement savings.

Managing retirement savings

Effectively managing your retirement savings is crucial for ensuring that your funds last throughout your retirement years.

Management tips for 2024:
- Drawdown strategies: Develop a sustainable drawdown strategy to ensure that you do not deplete your superannuation and savings too quickly.
- Cost of living adjustments: Plan for inflation and the rising cost of living by adjusting your budget and savings goals accordingly.
- Healthcare costs: Factor in the potential for increasing healthcare costs as you age, considering private health insurance or setting aside savings for medical expenses.

Conclusion

Retirement planning in Australia for 2024 requires a proactive approach, considering the latest legal changes and adopting effective financial strategies. By staying informed and seeking professional advice, Australians can navigate the complexities of retirement planning and secure a financially stable future.

Whether it's maximising your superannuation, understanding tax implications, diversifying your investment portfolio, or managing your retirement savings effectively, the key to successful retirement planning lies in preparation and strategic action.

For those looking to refine their retirement strategy, consulting with a financial adviser can provide personalised advice tailored to your circumstances, helping you achieve your retirement goals and enjoy a comfortable and secure retirement.

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Retirement planning is a crucial aspect of financial well-being, especially in a country like Australia, where the landscape of superannuation and retirement benefits is continually evolving.

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As we look towards the future of retirement planning in Australia, several key trends and predictions stand out, promising to reshape how Australians prepare for their retirement years.

" ["fulltext"]=> string(4703) "

The retirement landscape is evolving rapidly, influenced by technological advancements, changing financial landscapes, and shifts in societal attitudes towards retirement.

This article delves into these trends, offering insights into what retirement planning might look like in the years to come.

Technological advancements in retirement planning

Technology is set to play a pivotal role in the future of retirement planning in Australia.

Financial technology (fintech) innovations are making it easier for individuals to manage their savings, investments, and superannuation, providing real-time insights and personalised advice. Robo-advisors, mobile apps, and online platforms are becoming increasingly sophisticated, offering tailored retirement planning tools that cater to individual needs and risk profiles.

Predictive analytics and AI are also emerging as game changers, enabling more accurate forecasting of retirement outcomes based on a myriad of variables, including market trends, personal spending habits, and life expectancy. These technologies promise to enhance decision making, allowing Australians to fine-tune their retirement strategies with greater precision.

Changing financial landscapes

The financial landscape in Australia is undergoing significant changes, with implications for retirement planning.

The shift towards a more volatile global economy, changes in pension policies, and the uncertain future of government benefits are prompting Australians to rethink their retirement strategies. There's an increasing emphasis on self-funded retirement, with a growing recognition of the need for diversified investment portfolios that can withstand economic fluctuations.

Superannuation reforms are also on the horizon, with potential changes aimed at increasing transparency, reducing fees, and improving the performance of super funds. These reforms could significantly impact how Australians plan for retirement, making it more crucial than ever to stay informed and adaptable.

Demographic shifts and longer lifespans

Australia's ageing population and increasing life expectancies are leading to longer retirements, changing the calculus of retirement planning.

With many Australians potentially spending three decades or more in retirement, the need for sustainable, long-term investment strategies has never been more critical.

This demographic shift is also sparking a re-evaluation of traditional retirement ages and encouraging the exploration of phased retirement options, where individuals gradually reduce their working hours while tapping into their retirement savings.

Societal attitudes towards retirement

Societal attitudes towards retirement are shifting, with many Australians now viewing retirement not as the end of their working lives but as an opportunity for new beginnings.

This change is influencing retirement planning, with a growing focus on ensuring financial security while also achieving personal fulfilment and well-being in retirement.

There's an increasing interest in retirement lifestyles that include part-time work, volunteering, travel, and lifelong learning, highlighting the need for flexible retirement planning that supports a range of post-retirement activities.

Sustainability and ethical investing

Sustainability and ethical investing are becoming important considerations in retirement planning. As environmental, social, and governance (ESG) issues gain prominence, more Australians are seeking investment options that align with their values.

This trend towards responsible investing is influencing the types of investment products available and could shape the investment strategies of future retirees, emphasising not just financial returns but also the social and environmental impact of their investment choices.

Conclusion

The future of retirement planning in Australia is set to be dynamic and multifaceted, shaped by technological advancements, changing financial landscapes, demographic shifts, evolving societal attitudes, and a growing emphasis on sustainability.

As we navigate these changes, staying informed, embracing flexibility, and seeking professional advice will be key to achieving a secure and fulfilling retirement.

The trends highlighted above not only present challenges but also opportunities for innovation in how Australians plan for and experience retirement, promising a future where retirement planning is more personalised, resilient, and aligned with individual values and aspirations.

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• Yes

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As we look towards the future of retirement planning in Australia, several key trends and predictions stand out, promising to reshape how Australians prepare for their retirement years.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(86) "/retirement/planning/forecasting-the-future-trends-in-retirement-planning-in-australia" ["image"]=> string(157) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1707965961/forecasting_the_future_trends_in_retirement_planning_in_Australia_fk2pg5.jpg" ["image_alt"]=> string(65) "forecasting the future trends in retirement planning in Australia" } [3]=> object(stdClass)#7962 (57) { ["id"]=> int(18412) ["title"]=> string(49) "Retirement planning: How to build a secure future" ["alias"]=> string(48) "retirement-planning-how-to-build-a-secure-future" ["introtext"]=> string(180) "

Retirement planning is a critical part of securing a comfortable future. It requires a deep understanding of your financial goals and a strategic approach to achieve them.

" ["fulltext"]=> string(4330) "

This process is not something that can be done overnight but rather involves years of careful consideration, saving, and investment to ensure that your golden years are as stress-free as possible.

This article explores the essential steps you need to take to build a secure future through effective retirement planning.

Retirement planning: How to build a secure future

Identifying core aspects of your retirement

Start by identifying the core aspects of your retirement – the 5Ws and 1H:

• What kind of retirement lifestyle do you desire? This could range from a quiet life in the countryside to an active lifestyle filled with travel and social activities. Consider what will make you happy in the long term and start planning for it.
• When you plan to retire is crucial as it determines the time frame you have to save and invest. Early retirement requires more aggressive savings, while a later retirement allows for more time to accumulate wealth.
• Who is included in your retirement plans, including dependents or a spouse? This will affect how much you need to save, as supporting others can significantly increase your retirement costs.
• Where do you plan to reside? The cost of living can vary dramatically between different locations, and this must be factored into your retirement planning.
• Why do you want to retire early, if applicable? Understanding your motivations can help keep you focused and motivated throughout the planning process.
• How will you secure your finances, including superannuation and other investments? This involves understanding the various financial products available and how they can be used to your advantage.

Decade-by-decade retirement planning

Each decade of your life requires different focuses for retirement planning:

• 20s: Lay the foundation for your retirement, focus on generating steady income, budgeting, and increasing financial literacy.
• 30s and 40s: This period is crucial for accumulating funds and growing your investments.
• 50s and 60s: Focus shifts to solidifying your retirement plans, ensuring your investments align with your retirement goals.

Key steps to financially secure your retirement

1. Plan ahead: Start planning early, even in your 20s, to set clear retirement goals. The earlier you begin, the more time your money has to grow, making it easier to achieve your retirement objectives.
2. Secure income: Establish a steady income stream through employment or business ventures. This income will be the backbone of your retirement savings, so it's essential to maintain it throughout your working life.
3. Accumulate funds: Build an emergency fund and save for various purposes, including investments. An emergency fund will help you avoid dipping into your retirement savings in case of unexpected expenses.
4. Invest savings: Start with your superannuation and explore other investment options with due diligence. This could include stocks, bonds, real estate, or other investment vehicles that suit your risk tolerance and retirement timeline.
5. Get insured: Consider availing appropriate insurance policies to protect against unforeseen circumstances. Insurance can provide a safety net for you and your family, ensuring that your retirement savings are not depleted by health issues or other unexpected events.

—

Effective retirement planning is a long-term process that changes with each decade of your life.

By focusing on the core aspects of your retirement, securing a steady income, accumulating funds, investing wisely, and getting insured, you can build a secure future that aligns with your retirement aspirations.

It's a journey that requires patience, discipline, and foresight, but the reward is a retirement filled with peace of mind and the freedom to enjoy your hard-earned rest.

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• Yes

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Retirement planning is a critical part of securing a comfortable future. It requires a deep understanding of your financial goals and a strategic approach to achieve them.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(69) "/retirement/planning/retirement-planning-how-to-build-a-secure-future" ["image"]=> string(140) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701140526/Retirement_planning_How_to_build_a_secure_future_xktpbh.png" ["image_alt"]=> string(49) "Retirement planning: How to build a secure future" } [4]=> object(stdClass)#7961 (57) { ["id"]=> int(18403) ["title"]=> string(68) "Early retirement: Planning and strategies for financial independence" ["alias"]=> string(67) "early-retirement-planning-and-strategies-for-financial-independence" ["introtext"]=> string(159) "

The dream of early retirement is becoming increasingly popular among Australians, spurred by the Financial Independence, Retire Early (FIRE) movement.

" ["fulltext"]=> string(6097) "

Achieving the financial freedom to retire before the traditional age requires meticulous planning, discipline, and strategic financial management. Here’s how to set the wheels in motion for an early retirement.

Early retirement: Planning and strategies for financial independence

Laying the groundwork

Assess your financial position

Begin with a comprehensive assessment of your financial health. Determine your net worth by subtracting your liabilities from your assets. This snapshot provides a clear starting point for your early retirement planning.

Calculate retirement needs

Consider what your ideal retirement looks like and estimate the costs. Remember, retiring early means funding a longer retirement period. Use online calculators or consult with a financial advisor to help forecast the necessary retirement savings.

Create a savings plan

The cornerstone of early retirement is a robust savings plan. You’ll likely need to save a larger portion of your income than the average retiree. The commonly cited ’25 times your annual expenses’ rule is a benchmark, but some prefer to aim for up to 30 times to cover additional contingencies.

Reduce expenses

To boost savings, reduce current living expenses. Adopt a minimalist lifestyle focusing on essentials, cutting down on discretionary spending, and finding cost-effective alternatives for services and goods.

Maximising income

Increase earnings

Look for ways to boost your income. This might involve seeking promotions, changing jobs for higher pay, or developing side hustles. Every extra dollar earned should be channelled into your retirement savings.

Smart investing

Develop an investment strategy that balances growth with risk management. Diversify your portfolio across asset classes like stocks, bonds, and property. Consider a more aggressive investment approach initially, shifting to conservative investments as you near your retirement target.

Superannuation

Maximise your super contributions within the legal limits. Concessional contributions are taxed at a lower rate, making them an effective way to save for retirement. Consider if an SMSF is right for you, offering more control over your retirement savings.

Debt management

Eliminate high-interest debt, starting with credit cards and personal loans. Being debt-free is crucial before entering retirement to avoid eroding your savings with interest payments.

Healthcare considerations

Plan for healthcare costs, which can be substantial in retirement. Consider private health insurance options and factor these costs into your retirement savings plan.

Income streams

Develop passive income streams that can continue to fund your retirement without the need for active work. Rental properties, dividends from shares, and interest from fixed-income investments can all contribute to your retirement income.

Tax efficiency

Strategise to minimise tax liabilities. Take advantage of tax-effective investments and consult with a tax professional to ensure you’re not paying more tax than necessary.

Emergency funds

Set aside an emergency fund separate from your retirement savings. This fund is essential for unexpected expenses, helping protect your retirement nest egg from unforeseen withdrawals.

Test runs

Before officially retiring, trial your retirement budget to ensure it’s sustainable. Living on your projected retirement income for a period can highlight potential shortfalls or areas for adjustment.

Review and adjust

Regularly review your financial plan, at least annually or after significant life events. Markets, personal circumstances, and regulations change, and your strategy should evolve accordingly.

---

Early retirement requires a commitment to saving, smart investing, and lifestyle adjustments. Start planning as early as possible to take full advantage of compounding returns and give yourself the best chance of achieving financial independence.

Remember, the journey to early retirement is not solely about financial planning – it’s about creating a life that aligns with your values and goals. With a solid plan and the right strategies, financial independence and early retirement are within reach.

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• Yes

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The dream of early retirement is becoming increasingly popular among Australians, spurred by the Financial Independence, Retire Early (FIRE) movement.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#8551 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8167 (3) { ["data":protected]=> object(stdClass)#7940 (1) { ["options"]=> object(stdClass)#7927 (2) { ["options0"]=> object(stdClass)#7920 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#7919 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8166 (3) { ["data":protected]=> object(stdClass)#7918 (6) { ["hint"]=> string(0) 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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(88) "/retirement/planning/early-retirement-planning-and-strategies-for-financial-independence" ["image"]=> string(159) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701074539/Early_retirement_planning_and_strategies_for_financial_independence_wb0tt0.jpg" ["image_alt"]=> string(0) "" } [5]=> object(stdClass)#7960 (57) { ["id"]=> int(18402) ["title"]=> string(41) "The future of retirement: Trends to watch" ["alias"]=> string(40) "the-future-of-retirement-trends-to-watch" ["introtext"]=> string(182) "

As we look towards the future, the concept of retirement is evolving. No longer seen as a final destination, it’s now viewed as a dynamic phase of life, full of potential.

" ["fulltext"]=> string(5740) "

Australians approaching retirement today are facing a landscape that’s vastly different from that of previous generations. Here are the trends shaping the future of retirement, offering both challenges and opportunities for those planning their golden years.

The future of retirement: Trends to watch

1. The rise of the ’gig’ retirement

The traditional view of retirement as a complete cessation of work is changing. Increasingly, retirees are turning to the gig economy to supplement their income, pursue passions, or simply stay active.

This piecemeal work can range from consultancy roles in their former industries to completely new ventures like driving for ride-sharing services or selling handmade goods online.

2. Longer life expectancies

Australians are living longer thanks to advances in healthcare and quality of life improvements. This means that retirement savings need to stretch further than ever before. A longer life expectancy also raises the importance of planning for potential healthcare costs and long-term care needs in later life.

3. The superannuation shift

Superannuation is the mainstay of Australian retirement planning. However, with volatile markets and the economic impact of global events, there is a growing need for individuals to become more engaged with their superannuation strategies.

We’re also seeing trends towards SMSFs, giving individuals more control over their retirement investments.

4. A focus on sustainable investing

There’s a growing trend among retirees to prefer investments that are not just financially sound but are also environmentally and socially responsible. Sustainable or ’green’ investing considers the ethical and environmental impact of investments, with many retirees wanting their money to contribute to a positive legacy.

5. The downsizing debate

The decision to downsize is becoming more complex. While the traditional path has been to move to smaller, more manageable properties, there is a trend towards ’rightsizing’ – finding a home that is the right fit for one’s lifestyle, which may not necessarily be smaller.

Moreover, with property prices in flux, the financial benefits of downsizing are not always as significant as they once were.

6. Healthcare technology and aged care innovation

Retirees in the future will have access to better healthcare technology, allowing for more independence. Innovations in telehealth, wearable health monitors, and smart home technology are enabling older Australians to maintain their health and live at home longer.

These advancements are also reshaping the aged care industry, with a shift towards more personalised and high-tech care solutions.

7. The changing face of retirement communities

Retirement communities are no longer just about providing a place to live. They’re becoming lifestyle communities, offering a range of activities and amenities to cater to a more active, engaged retiree. From fitness centres and education classes to travel clubs, these communities are responding to the desires of a new generation of retirees.

8. The impact of climate change

With climate change influencing weather patterns and natural disasters, the location of retirement homes is becoming a more significant consideration. Retirees are seeking out communities that are not only comfortable and convenient but also resilient to environmental changes.

9. International retirement living

Retiring abroad is an appealing option for some, offering a lower cost of living and a desirable lifestyle. While there are complexities around healthcare and superannuation when living overseas, technological advancements are making it easier to manage finances and stay connected with family from anywhere in the world.

10. Education and lifelong learning

Retirement is increasingly seen as an opportunity for further education and personal development. Universities and educational institutions are offering more opportunities for older Australians to engage in lifelong learning, whether for personal interest or to upskill for post-retirement work.

---

As we look to the future, retirement is set to be a phase of transformation and opportunity. With these trends in mind, individuals can better prepare for a retirement that’s not just about financial security, but also personal fulfilment and well-being.

By staying informed and adaptable, future retirees can plan for a retirement that reflects the changing times and their unique aspirations.

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• Yes

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As we look towards the future, the concept of retirement is evolving. No longer seen as a final destination, it’s now viewed as a dynamic phase of life, full of potential.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#8562 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8167 (3) { ["data":protected]=> object(stdClass)#7940 (1) { ["options"]=> object(stdClass)#7927 (2) { ["options0"]=> object(stdClass)#7920 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#7919 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8166 (3) { ["data":protected]=> object(stdClass)#7918 (6) { ["hint"]=> string(0) 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"url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#8568 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7921 (3) { ["data":protected]=> object(stdClass)#8144 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7935 (3) { ["data":protected]=> object(stdClass)#8139 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8563 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8145 (3) { ["data":protected]=> object(stdClass)#8135 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8138 (3) { ["data":protected]=> object(stdClass)#8143 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8561 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8142 (3) { ["data":protected]=> object(stdClass)#8140 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8141 (3) { ["data":protected]=> object(stdClass)#8177 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8560 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) 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int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#8570 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8178 (3) { ["data":protected]=> object(stdClass)#8186 (1) { ["options"]=> object(stdClass)#8184 (2) { ["options0"]=> object(stdClass)#8183 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8185 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8180 (3) { ["data":protected]=> object(stdClass)#8188 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8467 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8182 (3) { ["data":protected]=> object(stdClass)#8190 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8187 (3) { ["data":protected]=> object(stdClass)#8192 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8558 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8189 (3) { ["data":protected]=> object(stdClass)#8194 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8191 (3) { ["data":protected]=> object(stdClass)#8196 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(61) "/retirement/planning/the-future-of-retirement-trends-to-watch" ["image"]=> string(132) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701074037/The_future_of_retirement_trends_to_watch_pkkq3b.jpg" ["image_alt"]=> string(0) "" } }