Retirement

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Retirement planning is a critical step in securing your financial future, but it's fraught with potential pitfalls that can derail even the best-laid plans.

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 In Australia, where the retirement landscape is both generous and complex, being aware of common mistakes and how to avoid them is crucial.

This article offers expert retirement planning advice for Australians, focusing on common pitfalls and how to navigate them for a secure financial future.

Retirement planning advice for Australians

1. Underestimating retirement needs

One of the most common mistakes in retirement planning is underestimating the amount of money needed. Many Australians fail to consider the impact of inflation, increased medical costs, and the possibility of outliving their savings.

Advice: Start by accurately estimating your retirement expenses, including leisure activities, healthcare, and potential aged care needs. Use online calculators or consult with a financial adviser to project your retirement needs more accurately.

2. Overlooking superannuation potential

Superannuation is a powerful tool in retirement planning, yet many Australians don't maximise its potential. This includes not taking advantage of government co-contributions, tax-effective contribution strategies, or choosing the right investment option within their super fund.

Advice: Review your superannuation regularly, consider consolidating multiple accounts to save on fees, and ensure your investment options align with your risk tolerance and retirement timeline.

3. Ignoring tax implications

Taxation can significantly impact your retirement savings, yet it's often overlooked in retirement planning. This includes not strategising around the tax implications of withdrawing superannuation or investing in non-super assets.

Advice: Employ strategies like salary sacrificing into superannuation, investing in tax-effective vehicles, and understanding the tax implications of your investment choices to minimise your tax liability in retirement.

4. Neglecting estate planning

Estate planning is an essential component of retirement planning that is frequently neglected. Without a proper estate plan, your assets may not be distributed according to your wishes, potentially leading to family disputes and legal challenges.

Advice: Ensure you have an up-to-date will, consider establishing a trust if appropriate, and designate powers of attorney to manage your affairs if you are unable to do so yourself.

5. Failing to plan for healthcare costs

Many Australians underestimate the cost of healthcare in retirement, including out-of-pocket expenses not covered by Medicare or private health insurance.

Advice: Incorporate potential healthcare costs into your retirement planning. Consider additional private health insurance coverage for age-related health issues and investigate government assistance programs for retirees.

6. Relying solely on property investments

While real estate can be a lucrative investment, over-reliance on property to fund retirement is risky, especially given the volatility in the housing market.

Advice: Diversify your investment portfolio to include a mix of asset classes such as shares, bonds, and cash, in addition to any property investments, to spread risk and provide income streams in retirement.

7. Not seeking professional advice

Navigating the complexities of retirement planning can be overwhelming, and going it alone can lead to missed opportunities and costly mistakes.

Advice: Consult with a financial adviser who can provide personalised retirement planning advice, tailored to your financial situation and goals. They can help you develop a comprehensive retirement strategy that considers all aspects of your financial life.

Conclusion

Avoiding these common pitfalls in retirement planning requires foresight, strategic planning, and sometimes, professional advice.

By understanding and addressing these issues now, Australians can secure their financial future and enjoy a retirement that is both comfortable and financially stable.

Remember, it's never too early or too late to start planning for retirement, but starting sooner rather than later can make all the difference.

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Retirement planning is a critical step in securing your financial future, but it's fraught with potential pitfalls that can derail even the best-laid plans.

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The Association of Superannuation Funds of Australia (ASFA) has hailed the government's decision to include Superannuation Guarantee payments with its Paid Parental Leave policy as a critical step towards bridging the retirement savings disparity between genders.

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ASFA, recognized as the voice of the superannuation industry, views this adjustment as long overdue but highly beneficial in moving towards equity within the superannuation system.

ASFA's CEO, Mary Delahunty, expressed strong support for the move, stating, "This milestone announcement will deliver a huge boost to equity in the superannuation system." Delahunty highlighted the chronic issue where women, on average, retire with significantly less savings compared to men, which is often the result of taking career breaks or working fewer hours to care for children. She candidly remarked, "It’s about bloody time."

Statistics from June 2021 illustrate the severity of the issue, with the median superannuation balance for those aged 60 to 64 sitting at approximately $212,000 for men and $159,000 for women. This disparity of 25% underscores the long-standing retirement savings gap between genders.

Delahunty expressed optimism about the potential impact of this measure on future generations of women, stating, "A new generation of women who receive the full benefit of the Superannuation Guarantee payment on their Government Paid Parental Leave stand to add thousands to their retirement balances."

Furthermore, an ASFA survey conducted in 2022 revealed significant community support for initiatives aimed at enhancing the retirement savings of women who take a hiatus from their careers to have children.

Reflecting on the broader implications of the government's announcement, Delahunty said, "This is a welcome move that goes some way to combat the retirement savings gap and to signal that women’s contributions to work and to caring actually matter." She also noted the timeliness of the announcement, aligning with International Women's Day and its theme encouraging society to 'invest in women.'

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The Association of Superannuation Funds of Australia (ASFA) has hailed the government's decision to include Superannuation Guarantee payments with its Paid Parental Leave policy as a critical step towards bridging the retirement savings disparity between genders.

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Financial planning for retirement is a nuanced journey that requires careful consideration and strategic planning, particularly in Australia's unique financial landscape.

" ["fulltext"]=> string(3968) "

 With a comprehensive approach, Australians can navigate their way to a secure retirement, taking advantage of the country's financial systems and incentives. This article provides an overview of financial planning strategies specifically tailored for retirement in Australia.

Understanding Australia’s retirement framework

Australia’s retirement system is known for its robust structure, designed to provide Australians with a comfortable retirement.

The system is built on three pillars: the government-funded Age Pension, compulsory superannuation contributions paid by employers, and additional personal savings and investments.

Effective financial planning for retirement in Australia involves optimising these components to ensure a steady income stream in your retirement years.

Key strategies for financial planning

1. Superannuation is a cornerstone of retirement planning in Australia. Maximising your super contributions through salary sacrifice or personal contributions can significantly impact your retirement savings, thanks to the concessional tax treatment of super.
2. Diversifying your investment portfolio outside of superannuation can provide additional income streams in retirement. Consider shares, bonds, real estate, and other investment vehicles, taking into account their risk profiles and your retirement timeline.
3. Understanding the eligibility criteria and payment rates of the Age Pension is crucial. Even if your primary income comes from personal savings and investments, the Age Pension can serve as a valuable supplement.
4. Entering retirement debt-free is an important goal. Prioritise paying off high-interest debt and consider strategies to manage or eliminate mortgages and personal loans before retirement.
5. Efficient tax planning can significantly enhance your retirement savings. Strategies such as income splitting, investing in tax-effective vehicles, and making the most of superannuation tax benefits are key.
6. Ensure your financial planning includes a clear and legally sound estate plan. This includes wills, powers of attorney, and beneficiaries for your superannuation and insurance policies.
7. Financial planning can be complex, and professional advice is invaluable. A financial planner can provide personalised strategies that align with your financial situation, goals, and risk tolerance.

Implementing your retirement plan

With a strategy in place, the next step is implementation. This involves setting clear goals, regularly reviewing your financial plan, and staying informed about changes in legislation that may affect your retirement savings. Flexibility is also crucial, as your financial situation and goals may evolve.

Staying informed and adaptable

The Australian financial landscape is ever-changing, with new laws, financial products, and investment opportunities emerging regularly. Staying informed through reputable sources such as ASIC’s MoneySmart website, financial news, and professional advisories is crucial for adapting your retirement plan to these changes.

Conclusion

Navigating financial planning for retirement in Australia involves a combination of maximising your super, investing wisely, effective debt management, and strategic tax planning.

By understanding the components of Australia’s retirement system and employing tailored strategies, Australians can look forward to a secure and prosperous retirement.

Remember, the path to a successful retirement is ongoing and requires regular review and adaptation to meet your changing needs and circumstances.

For those looking to delve deeper into financial planning for retirement, consulting with a financial adviser can provide tailored advice and strategies to meet your specific retirement goals and financial situation.

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• Yes

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Financial planning for retirement is a nuanced journey that requires careful consideration and strategic planning, particularly in Australia's unique financial landscape.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#8712 (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)#8357 (3) { ["data":protected]=> object(stdClass)#8420 (1) { ["options"]=> object(stdClass)#8464 (2) { ["options0"]=> object(stdClass)#8463 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8465 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8419 (3) { ["data":protected]=> object(stdClass)#8466 (6) { ["hint"]=> string(0) 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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)#8745 (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)#8357 (3) { ["data":protected]=> object(stdClass)#8420 (1) { ["options"]=> object(stdClass)#8464 (2) { ["options0"]=> object(stdClass)#8463 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8465 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8419 (3) { ["data":protected]=> object(stdClass)#8466 (6) { ["hint"]=> string(0) 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object(stdClass)#8555 (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)#8744 (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)#8554 (3) { ["data":protected]=> object(stdClass)#8486 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8543 (3) { ["data":protected]=> object(stdClass)#8564 (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)#8743 (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)#8753 (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)#8563 (3) { ["data":protected]=> object(stdClass)#8548 (1) { ["options"]=> object(stdClass)#8545 (2) { ["options0"]=> object(stdClass)#8558 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8546 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8561 (3) { ["data":protected]=> object(stdClass)#8553 (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)#8684 (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)#8559 (3) { ["data":protected]=> object(stdClass)#8582 (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)#8547 (3) { ["data":protected]=> object(stdClass)#8584 (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)#8741 (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)#8581 (3) { ["data":protected]=> object(stdClass)#8586 (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)#8583 (3) { ["data":protected]=> object(stdClass)#8588 (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(88) "/retirement/planning/supporting-our-veterans-a-guide-to-financial-resources-and-benefits" ["image"]=> string(159) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1707965961/supporting_our_veterans_a_guide_to_financial_resources_and_benefits_pslfhw.jpg" ["image_alt"]=> string(67) "supporting our veterans a guide to financial resources and benefits" } }