Retirement
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Military veterans have made invaluable contributions to their country, and in recognition of their service, there are numerous financial resources and benefits available to support them in civilian life.
" ["fulltext"]=> string(3840) "This guide explores the financial benefits, pensions, and support services tailored specifically for veterans, helping them navigate the complexities of post-service financial planning.
Understanding veterans' financial benefits in Australia
Australia offers a comprehensive suite of financial resources for veterans, recognizing their unique needs and the sacrifices they have made. These benefits are designed to provide financial security, facilitate access to healthcare, and support veterans' reintegration into civilian life.
1. Defence Force Retirement and Death Benefits (DFRDB) scheme
The DFRDB Scheme is a superannuation scheme for Australian Defence Force (ADF) members who served before October 1991. It offers retirement pay, invalidity pay, and death benefits, providing financial security for veterans and their families. Eligibility and benefits are based on the length of service and the reason for discharge.
2. Military Rehabilitation and Compensation Act 2004 (MRCA)
Under the MRCA, veterans injured or who have become ill as a result of their service after 1 July 2004 are entitled to compensation. This includes income support for those unable to work due to service-related conditions, as well as lump-sum payments for permanent impairment.
3. Veterans' Entitlements Act 1986 (VEA)
The VEA provides a range of benefits and services to veterans, including disability pensions for service-related injuries or illnesses, war widow(er) pensions, and income support supplements for older veterans with limited means.
4. Veteran payment
For veterans with mental health conditions related to their service, awaiting assessment for their claims, the Veteran Payment provides interim financial support. This payment is aimed at those who are unable to work or are in financial hardship.
5. Employment support and training
Recognising the challenges veterans may face in transitioning to civilian employment, various programs are available to support retraining, skills development, and job placement. The Career Transition Assistance Scheme (CTAS) is one such program, offering funding for training, resume preparation, and job-seeking activities.
6. Health care and mental health support
Veterans' health care is a priority, with the Department of Veterans Affairs (DVA) providing a Gold Card to eligible veterans, offering comprehensive medical care for all conditions. Additionally, mental health support is available through services like Open Arms – Veterans & Families Counselling, providing free and confidential counselling.
7. Home purchase assistance
The Defence Home Ownership Assistance Scheme (DHOAS) supports current and former ADF members and their families in achieving home ownership, offering interest rate subsidies on home loans.
Navigating the system
Navigating the system of veterans' benefits can be complex. The Department of Veterans Affairs (DVA) offers a range of resources to assist veterans in understanding and accessing the benefits available to them. Additionally, veterans' advocacy groups and financial advisors specialising in military benefits can provide personalised guidance.
Conclusion
The financial resources and benefits available to veterans in Australia reflect the nation's commitment to supporting those who have served. By taking full advantage of these programs, veterans can secure their financial futures, access necessary healthcare, and successfully transition to civilian life.
Veterans and their families are encouraged to explore these resources thoroughly and seek assistance from the DVA and specialised advisors to maximise the benefits they have rightfully earned.
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Military veterans have made invaluable contributions to their country, and in recognition of their service, there are numerous financial resources and benefits available to support them in civilian life.
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" ["fulltext"]=> string(4354) "For Australians looking to secure a comfortable and fulfilling retirement, having a comprehensive checklist can guide you through the necessary steps to prepare effectively. This ultimate retirement planning checklist encompasses key areas to ensure you cover all bases in your journey towards retirement.
Financial considerations
- Superannuation review: Regularly review your superannuation balance, contributions, and investment options. Consider consolidating multiple accounts to save on fees and ensure your investment strategy aligns with your retirement goals.
- Debt reduction: Aim to enter retirement debt-free. Prioritise paying off high-interest debts and consider strategies to reduce or eliminate mortgage, credit card, and personal loan debts before retiring.
- Savings and investments: Beyond superannuation, build a diversified portfolio of savings and investments. Assess your risk tolerance and seek opportunities that offer growth and income in line with your retirement timeline.
- Retirement income plan: Calculate your expected retirement income from superannuation, investments, and any government benefits. Plan how you will draw down on these sources to fund your retirement lifestyle.
- Emergency fund: Ensure you have an emergency fund to cover unexpected expenses without needing to dip into your retirement savings prematurely.
Legal considerations
- Estate planning: Keep your will up to date and ensure it reflects your current wishes. Consider establishing powers of attorney and guardianship documents to manage affairs in case of incapacity.
- Superannuation beneficiaries: Regularly review and update your superannuation beneficiaries to ensure your super is distributed according to your wishes.
- Tax planning: Understand the tax implications of your retirement income and investment strategies. Seek advice on structuring your finances to minimise tax liabilities in retirement.
Personal considerations
- Retirement lifestyle: Clearly define your retirement lifestyle goals. Consider where you want to live, activities you plan to pursue, and any significant purchases or travel plans.
- Healthcare: Plan for your healthcare needs, including private health insurance, Medicare, and potential long-term care. Consider how you will manage healthcare costs in retirement.
- Social and family life: Think about how retirement will affect your social connections and family life. Plan for ways to maintain social networks and relationships post-retirement.
- Part-time work or volunteering: Decide whether you wish to continue working in some capacity or engage in volunteer work. Consider how this fits into your retirement lifestyle and income plans.
- Continuous learning and personal development: Retirement is an opportunity to pursue new interests or education. Identify any courses, hobbies, or skills you wish to explore.
Planning and review
- Regular check-ups: Conduct annual reviews of your financial situation, legal documents, and personal goals to adjust your plan as needed.
- Professional advice: Seek regular advice from financial planners, legal advisors, and tax professionals to ensure your retirement plan remains on track and compliant with current laws and regulations.
- Stress testing your plan: Periodically test your retirement plan against various scenarios, such as market downturns, health emergencies, or changes in living arrangements, to ensure its resilience.
Conclusion
Retirement planning is an ongoing process that evolves with your financial situation, health, and personal aspirations.
By following this comprehensive checklist, Australians can approach retirement with confidence, knowing they have considered all crucial aspects to secure a stable and enjoyable retirement phase.
Remember, the key to successful retirement planning is starting early, staying informed, and being prepared to adjust your plan as circumstances change.
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Retirement planning is a multifaceted process that demands careful attention to financial, legal, and personal considerations.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(79) "/retirement/planning/the-ultimate-retirement-planning-checklist-for-australians" ["image"]=> string(150) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1707700677/the_ultimate_retirement_planning_checklist_for_Australians_f5dosv.jpg" ["image_alt"]=> string(58) "the ultimate retirement planning checklist for Australians" } [2]=> object(stdClass)#7940 (57) { ["id"]=> int(18458) ["title"]=> string(78) "How to choose the right retirement planner in Australia: What you need to know" ["alias"]=> string(77) "how-to-choose-the-right-retirement-planner-in-australia-what-you-need-to-know" ["introtext"]=> string(158) "Choosing the right retirement planner is a critical decision that can significantly impact your financial security and quality of life in retirement.
" ["fulltext"]=> string(4484) "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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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(98) "/retirement/planning/how-to-choose-the-right-retirement-planner-in-australia-what-you-need-to-know" ["image"]=> string(169) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1707700678/how_to_choose_the_right_retirement_planner_in_Australia_what_you_need_to_know_ekovqg.jpg" ["image_alt"]=> string(78) "how to choose the right retirement planner in Australia: what you need to know" } [3]=> object(stdClass)#7939 (57) { ["id"]=> int(18503) ["title"]=> string(74) "SMSF experts advise against hasty reactions to potential super tax changes" ["alias"]=> string(74) "smsf-experts-advise-against-hasty-reactions-to-potential-super-tax-changes" ["introtext"]=> string(236) "As the Australian Government proposes a new tax measure on superannuation earnings for balances exceeding $3 million, experts from the self-managed super funds (SMSF) sector are urging members not to make precipitate 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" ["fulltext"]=> string(2324) "Speaking at the 2024 SMSF Association National Conference in Brisbane, Heffron Consulting Managing Director Meg Heffron emphasized the importance of cautious deliberation before taking any action in response to this legislative proposal.
Heffron highlighted that while the potential tax changes are not ideal, they should not prompt hasty withdrawals from superannuation accounts. "Although our impacted clients would prefer this new tax would disappear, it’s not a disaster and clients shouldn’t remove excess amounts from super without careful consideration," she stated. She encouraged SMSF members to consider the broader implications of withdrawing funds, including potential impacts on tax exemptions for pension income and the tax implications for death benefits.
During her address, Heffron also noted the changing landscape of superannuation savings, mentioning that achieving a balance exceeding $3 million is becoming increasingly challenging. She pointed out that a significant portion of their client base, 43 percent are over 65 years old with balances under $3 million, indicating they are beyond their peak savings years.
Peter Burgess, CEO of the SMSF Association, offered a legislative update during his address at the conference, projecting that the $3 million cap could become legislation by June 30 of this year. Burgess shared concerns regarding aspects of the Government's proposal, such as the lack of indexation for the cap and how unrealised capital gains are taxed. "The only questions that remain is whether the Government’s proposal not to index the cap and to tax unrealised capital gains will survive the scrutiny of the Senate cross-bench," he said.
Burgess also proposed alternatives that could simplify and improve upon the current proposal, suggesting a taxation system that more accurately reflects taxable earnings and reduces volatility in tax liabilities year over year. He emphasized the benefits of simplifying the calculation of earnings, which could lead to smoother and less erratic tax liabilities for SMSF members.
The proposed super tax changes have sparked significant debate within the superannuation sector, with industry leaders advocating for a measured and informed approach to any potential legislative adjustments.
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As the Australian Government proposes a new tax measure on superannuation earnings for balances exceeding $3 million, experts from the self-managed super funds (SMSF) sector are urging members not to make precipitate decisions.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(110) "/retirement/self-managed-super-fund/smsf-experts-advise-against-hasty-reactions-to-potential-super-tax-changes" ["image"]=> string(164) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1708895958/Federal_government_announces_changes_to_superannuation_contribution_caps_myjg7g.jpg" ["image_alt"]=> string(74) "SMSF experts advise against hasty reactions to potential super tax changes" } [4]=> object(stdClass)#7938 (57) { ["id"]=> int(18497) ["title"]=> string(72) "Federal government announces changes to superannuation contribution caps" ["alias"]=> string(72) "federal-government-announces-changes-to-superannuation-contribution-caps" ["introtext"]=> string(173) "The Federal Government has announced changes to the superannuation contribution caps, impacting self-managed super funds (SMSFs) and their members from 1 July 2024.
" ["fulltext"]=> string(1453) "The standard concessional and non-concessional contribution caps will see an increase, a move that has been anticipated by experts in the field.
"These changes were expected and alongside the stage three tax cuts applying from 1 July 2024, mean some may have additional disposable income to contribute more to super," explained Peter Burgess, CEO of the SMSF Association.
Starting from 1 July 2024, the standard concessional contribution cap will be raised from $27,500 to $30,000. Similarly, the non-concessional contribution cap, which is calculated as four times the standard concessional contribution cap, will also increase from $110,000 to $120,000. This adjustment implies that the maximum amount available under the non-concessional contribution bring-forward provisions will be elevated from $330,000 to $360,000.
Furthermore, the Total Superannuation Balance Thresholds, which are instrumental in determining the maximum amount of bring-forward non-concessional contributions available to an individual, will also undergo adjustments from 1 July 2024.
These developments are being closely scrutinised and discussed at the ongoing SMSF Association National Conference in Brisbane. Held at the Convention and Exhibition Centre, the conference features sessions dedicated to exploring the latest contribution strategies and how these changes could affect contributions on the Division 296 tax calculation.
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The Federal Government has announced changes to the superannuation contribution caps, impacting self-managed super funds (SMSFs) and their members from 1 July 2024.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(108) "/retirement/self-managed-super-fund/federal-government-announces-changes-to-superannuation-contribution-caps" ["image"]=> string(164) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1708895958/Federal_government_announces_changes_to_superannuation_contribution_caps_myjg7g.jpg" ["image_alt"]=> string(72) "Federal government announces changes to superannuation contribution caps" } [5]=> object(stdClass)#7937 (57) { ["id"]=> int(18457) ["title"]=> string(66) "A comprehensive guide to retirement planning in Australia for 2024" ["alias"]=> string(66) "a-comprehensive-guide-to-retirement-planning-in-australia-for-2024" ["introtext"]=> string(200) "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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object(stdClass)#8120 (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)#8662 (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)#8119 (3) { ["data":protected]=> object(stdClass)#8117 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8118 (3) { ["data":protected]=> object(stdClass)#8154 (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)#8661 (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) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8114 (3) { ["data":protected]=> object(stdClass)#8156 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8153 (3) { ["data":protected]=> object(stdClass)#8158 (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(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> 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)#8671 (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)#8155 (3) { ["data":protected]=> object(stdClass)#8163 (1) { ["options"]=> object(stdClass)#8161 (2) { ["options0"]=> object(stdClass)#8160 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8162 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8157 (3) { ["data":protected]=> object(stdClass)#8165 (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)#8576 (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)#8159 (3) { ["data":protected]=> object(stdClass)#8167 (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)#8164 (3) { ["data":protected]=> object(stdClass)#8169 (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)#8659 (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)#8166 (3) { ["data":protected]=> object(stdClass)#8171 (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)#8168 (3) { ["data":protected]=> object(stdClass)#8173 (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(87) "/retirement/planning/a-comprehensive-guide-to-retirement-planning-in-australia-for-2024" ["image"]=> string(158) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1707700678/a_comprehensive_guide_to_retirement_planning_in_Australia_for_2024_eiuck5.jpg" ["image_alt"]=> string(66) "a comprehensive guide to retirement planning in Australia for 2024" } }Subscribe to our newletters
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