Category: Retirement Information

Financial Planning
Insights & Advice

Expert insights, practical strategies, and market updates to help you make informed financial decisions for your future.

How can I increase my super before retirement?

Should I Use an Estate Planner or Financial Adviser for Retirement? (2026 Guide)

Should you use an estate planner or a financial adviser for retirement? For most Australians approaching retirement, the honest answer is both. They cover different ground, and treating them as an either/or usually leaves gaps that only surface later, often after a death, a divorce, or a health event when it is too late to fix cleanly.

The short version: a financial adviser (also called a financial planner) helps you build, manage, and draw down wealth while you are alive. An estate planner, usually a solicitor, handles what happens to that wealth when you are not. They are not competing services. For anyone with super, property, or a family situation that is even slightly complex, both matter, and ideally they are aware of each other’s work.

Here is how they differ, where they overlap, and what to prioritise at each stage.

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What Is the Average Net Worth of a 70-Year-Old Couple in Australia

What Is the Average Net Worth of a 70-Year-Old Couple in Australia?

The average net worth of a 70-year-old couple in Australia in 2026 sits between $1.4 million and $1.8 million, based on ABS household wealth data indexed to current values. Median net worth for households aged 65 to 74 is approximately $1.46 million. Homeowning couples sit at the higher end; renting couples typically sit at a fraction of that. Roughly 65 to 70 per cent of that wealth is held in the family home, with the remainder in superannuation, savings, and other investments.

That is the headline number. What it actually means for your retirement depends on how the wealth is structured, whether you own your home, and how efficiently it can be turned into income.

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