Retirement Planning

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Retirement planning is a crucial aspect of financial management, especially in Australia where the landscape of superannuation and investments offers unique opportunities and challenges. 

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A retirement planning spreadsheet is an invaluable tool for Australians looking to secure their financial future. This article guides you through the process of creating and using such a spreadsheet to track savings, investments, and retirement goals.

Understanding retirement planning in Australia

Before diving into the spreadsheet, it's important to understand the components of retirement planning in Australia.

The country's retirement system is built on three pillars: the Age Pension, compulsory super contributions made by employers, and voluntary personal savings and investments.

A well-structured retirement planning spreadsheet will help you navigate these elements, ensuring a comprehensive approach to your retirement strategy.

Creating your retirement planning spreadsheet

A retirement planning spreadsheet should be user-friendly yet comprehensive, including various sections that cover all aspects of your retirement planning. Here's how to get started:

1. Start with your goals: Define what you want your retirement to look like. How much income will you need annually? At what age do you plan to retire? These questions will set the foundation for your spreadsheet.

2. Incorporate income sources: List all potential retirement income sources, including the Age Pension, super, rental income, dividends, and any other investments. For super and investments, use current balances and project future growth based on realistic return rates.

3. Calculate expenses: Estimate your retirement expenses, categorising them into essentials (housing, food, healthcare) and non-essentials (travel, hobbies). Adjust for inflation to ensure your estimates remain relevant over time.

4. Track savings and investments: Create a section to regularly update your savings and investment balances. This will help you monitor progress towards your goals and adjust your strategy as needed.

5. Consider tax implications: Understand the tax implications of your investments and savings strategies, particularly how they affect your super and potential Age Pension benefits. Incorporate tax considerations into your projections.

6. Scenario analysis: Implement different scenarios, such as changes in return rates or unexpected expenses, to test the resilience of your retirement plan.

7. Review and update regularly: Your retirement planning spreadsheet is a living document. Regular reviews and updates are essential to reflect changes in your financial situation, market conditions, and legislation.

Using your retirement planning spreadsheet

The true value of your retirement planning spreadsheet lies in its use. It should not only serve as a tracker but as a tool for making informed financial decisions. Here are some tips for maximising its utility:

- Schedule quarterly or bi-annual reviews of your spreadsheet to adjust your contributions, investment choices, and retirement goals as necessary.
- Incorporate charts and graphs to visualise your progress towards your goals. This can be motivational and help identify trends.
- While a DIY retirement spreadsheet is a great start, consulting with a financial adviser can provide personalised advice tailored to your specific situation.

Conclusion

A retirement planning spreadsheet is more than just a tracking tool; it's a roadmap to achieving your retirement goals.

By systematically organising your financial life, you can make informed decisions that bring you closer to the retirement you envision. Remember, the key to successful retirement planning is not just in the planning itself, but in the ongoing management and adjustment of that plan.

With the right approach and tools at your disposal, including a detailed retirement planning spreadsheet, you can navigate the complexities of retirement planning in Australia with confidence.

For further information on retirement planning and financial management, resources such as the Australian Securities and Investments Commission's MoneySmart website offer valuable insights and tools to assist Australians in their financial journey.

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• Yes

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Retirement planning is a crucial aspect of financial management, especially in Australia where the landscape of superannuation and investments offers unique opportunities and challenges. 

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In the ever-evolving landscape of retirement planning in Australia, securing a comfortable retirement through your pension plan has become increasingly important.

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 As a writer based in Australia, I understand the significance of financial security during your golden years. In this article, we will delve into strategies to maximise your pension benefits and guarantee a comfortable retirement lifestyle in the Land Down Under.

1. Start early and contribute regularly

The first step to securing a comfortable retirement through your pension plan is to start early and contribute consistently. The longer you contribute to your pension plan, the more you can accumulate over time. This ensures a larger nest egg to support your retirement lifestyle.

2. Know your pension plan options

Australia offers various pension plans, including the Age Pension and superannuation. Understanding the specifics of each plan and how they work is crucial. Seek professional advice to determine the best combination of plans for your unique circumstances.

3. Salary sacrifice for superannuation

One effective strategy to maximise your retirement savings is to opt for salary sacrifice into your superannuation fund. By directing a portion of your pre-tax income into your super, you can enjoy tax benefits and build a robust retirement fund.

4. Keep an eye on the preservation age

The preservation age in Australia is the age at which you can access your superannuation. Stay informed about your preservation age and plan your retirement accordingly. Delaying access can increase your superannuation balance significantly.

5. Diversify your investments

Diversification is key to ensuring the growth of your pension plan. Invest in a mix of assets, such as stocks, bonds, and property, to reduce risk and enhance returns. Consider consulting a financial adviser to tailor your investment strategy.

6. Stay informed about changes in legislation

The Australian government regularly updates pension and superannuation laws. Being aware of updates to pension eligibility criteria and benefit rates allows individuals to better estimate their financial situation in retirement and plan accordingly. This might involve adjusting your savings goals, investment choices, or retirement age based on the anticipated income from government pensions and superannuation. Staying informed about these changes ensures you make the most of available benefits and opportunities.

7. Seek professional advice

Pension plans can be complex, involving various factors such as contribution rates, investment choices, tax implications, and payout options.To make informed decisions about your pension plan, consult with a financial adviser who specialises in retirement planning. They can help you create a personalised strategy to maximise your pension benefits.

8. Maintain an active lifestyle

Healthcare costs can significantly impact your retirement budget. This is because, as we age, our bodies naturally require more medical attention, which can lead to higher healthcare costs.

These costs can eat into your retirement savings, potentially limiting how much you can spend on other aspects of your life during your golden years. By maintaining an active and healthy lifestyle, you can potentially reduce medical expenses and enjoy a better quality of life during retirement.

Conclusion

As an Australian writer focused on providing valuable information, it's crucial to emphasise the importance of strategic planning when it comes to maximising your pension plan for a comfortable retirement in Australia.

Starting early, contributing regularly, and seeking professional advice are all critical steps on the path to financial security during your golden years. By implementing these strategies, you can look forward to a retirement that's not just comfortable but also fulfilling and worry-free.

Your future self will thank you for taking these steps today.

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In the ever-evolving landscape of retirement planning in Australia, securing a comfortable retirement through your pension plan has become increasingly important.

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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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• Yes

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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.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#8609 (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)#8247 (3) { ["data":protected]=> object(stdClass)#8020 (1) { ["options"]=> object(stdClass)#8007 (2) { ["options0"]=> object(stdClass)#8000 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#7999 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8246 (3) { ["data":protected]=> object(stdClass)#7998 (6) { ["hint"]=> string(0) 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Retirement planning is a multifaceted process that demands careful attention to financial, legal, and personal considerations.

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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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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" } [5]=> object(stdClass)#8040 (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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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)#8643 (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)#8225 (3) { ["data":protected]=> object(stdClass)#8215 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8218 (3) { ["data":protected]=> object(stdClass)#8223 (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)#8641 (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)#8222 (3) { ["data":protected]=> object(stdClass)#8220 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8221 (3) { ["data":protected]=> object(stdClass)#8257 (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)#8640 (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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object(stdClass)#8264 (2) { ["options0"]=> object(stdClass)#8263 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8265 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8260 (3) { ["data":protected]=> object(stdClass)#8268 (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)#8547 (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)#8262 (3) { ["data":protected]=> object(stdClass)#8270 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" 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"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)#8638 (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)#8269 (3) { ["data":protected]=> object(stdClass)#8274 (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)#8271 (3) { ["data":protected]=> object(stdClass)#8276 (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" } }