Your Four Pillars Framework Assessment

As you approach retirement - or continue to navigate life after retiring - your financial world often becomes more interconnected and complex.

This assessment focuses on four key areas that together create a clear picture of your overall financial wellbeing, helping highlight where things feel well structured and where greater clarity may be helpful.

The assessment takes around five to seven minutes to complete and is designed to help you reflect on how different parts of your financial life fit together today. You’ll receive brief feedback after each section, followed by an overall snapshot at the end.

Select your age group:

30–45 45–55 55–65 65–75 75+

How do you currently position yourself?

Pre-retirement Retirement

Your Fundamentals

Your Fundamentals form the solid base of your financial life. This includes how well you manage your cashflow, how clearly your goals are defined, and how prepared you are for the milestones ahead. For those nearing retirement, strong fundamentals ensure you are entering the next phase with certainty and control. For retirees, they help maintain stability and confidence as life circumstances evolve.

Have you identified your net cash flow position?

Yes No Unsure Not applicable

Do you regularly review your spending and adjust your budget when needed?

Yes No Unsure Not applicable

Are you confident that your surplus cash flow is being used effectively?

Yes No Unsure Not applicable

Do you feel confident making financial decisions without stress or uncertainty?

Yes No Unsure Not applicable

Do you feel your financial life is organised and easy to keep track of?

Yes No Unsure Not applicable

Do you have an emergency buffer or cash reserve for unexpected events?

Yes No Unsure Not applicable

Do you have goals in place?

Yes No Unsure Not applicable

Your Life

Your Life looks at the financial structures that support your lifestyle today. This involves your investment approach, diversification, risk exposure, and how effectively any debt is managed. Ensuring this area is well structured helps you enjoy the present while keeping your long term plans on track.

Do you understand the level of investment risk you are currently taking?

Yes No Unsure Not applicable

Are your investments aligned with your comfort level and goals?

Yes No Unsure Not applicable

Do you believe your investments are strongly diversified?

Yes No Unsure Not applicable

Are you confident your current investment approach will support your future lifestyle needs?

Yes No Unsure Not applicable

Do you review your investments at least once a year?

Yes No Unsure Not applicable

Do you know if your investment structure is as tax effective as possible?

Yes No Unsure Not applicable

Are you comfortable with your overall debt position?

Yes No Unsure Not applicable

Your Independence

Your Independence focuses on your long term financial freedom — both before and after retirement. For pre retirees, this includes preparing your superannuation, contribution strategies, and investment mix to support a smooth transition into retirement. For retirees, it centres on maintaining sustainable and tax effective income streams, optimising your superannuation or pension arrangements, and maximising entitlements such as Centrelink where appropriate. Independence is ultimately about ensuring your financial resources support your desired lifestyle for as long as you need them.

Have you consolidated your superannuation accounts?

Yes No Unsure Not applicable

Are you salary sacrificing at appropriate levels?

Yes No Unsure Not applicable

Do you review your retirement income strategy regularly?

Yes No Unsure Not applicable

Do you understand the tax implications of your retirement income sources?

Yes No Unsure Not applicable

If you stopped work today, do you know how your income would change?

Yes No Unsure Not applicable

Do you know how long your retirement savings are projected to last?

Yes No Unsure Not applicable

Do you feel confident your plan will support your lifestyle?

Yes No Unsure Not applicable

Your Legacy

Your Legacy covers the protection and transfer of your wealth in a way that reflects your values and wishes. This includes ensuring you have the right insurance structures, effective estate planning, and strategies to support those you care about. Whether you are planning for the future or already in retirement, a well considered legacy provides peace of mind for you and certainty for your loved ones.

Are you and your family adequately protected in the event of serious illness or injury?

Yes No Unsure Not applicable

Do you have your insurances structured effectively?

Yes No Unsure Not applicable

Have you reviewed your will or estate documents recently?

Yes No Unsure Not applicable

Is someone you trust aware of your financial wishes?

Yes No Unsure Not applicable

Do you understand how your super death benefits are taxed?

Yes No Unsure Not applicable

Have you considered future aged care costs?

Yes No Unsure Not applicable

Do you have clear instructions for medical or lifestyle decisions if needed?

Yes No Unsure Not applicable

Watch Jess’ overview of your assessment

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Important: This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should obtain and consider the relevant Product Disclosure Statement and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

The results are educational in nature and should not be relied upon as the basis for making financial decisions.

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