Category: Retirement Information

Financial Planning
Insights & Advice

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

What are the biggest expenses in retirement? Learn which costs retirees face most from housing and healthcare to travel and lifestyle and how to plan for them.

What Are the Biggest Expenses in Retirement? (2026 Guide)

What are the biggest expenses in retirement in Australia? For homeowner retirees, the four largest budget categories in 2026 are housing costs (even without a mortgage), healthcare and out-of-pocket medical, food and groceries, and utilities. For renters, housing jumps to the top by a wide margin. And through the whole retirement, retirees face higher effective inflation than the general population, because the categories they spend most on have risen fastest.

This guide breaks down where retirement money actually goes using ASFA’s December 2025 quarter budget data, how those costs shift through the different phases of retirement, and the specific expense patterns that catch most Australians off guard.

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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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