Retirement Planning Guide with Financial Advisor and Tools Info

What you will achieve, how long it takes, and who this is for

By the time you finish this guide you will have a complete, actionable retirement plan you can implement yourself or review with a retirement planning financial advisor: a quantified retirement-income target, an asset allocation and savings schedule, a withdrawal strategy for retirement, a list of recommended retirement planning tools (including free software), and a one-page brief to bring to an advisor. This process is realistic to complete in 6–12 hours of focused work over 1–3 sessions, plus a 60–90 minute meeting with an advisor if you choose to consult one. The guide assumes intermediate numeracy (comfortable with percentages, basic present-value maths, spreadsheets) and basic familiarity with Australian retirement structures such as superannuation and taxable investment accounts.

Before you start

• Documents: most recent payslips (3 months), latest superannuation statements, investment account balances, mortgage/loan statements, last two years’ tax returns.
• Tools: a spreadsheet program (Excel or Google Sheets), calculator, note-taking app, and access to at least one retirement planning calculator (free or paid).
• Time: block two 90-minute sessions plus a separate 60–90 minute review meeting with a financial advisor if you use one.
• Resources: list of potential retirement planning financial advisors, trustee logins for super funds, and beneficiary information for estate planning.
• Knowledge: decide an initial target retirement age (e.g., 65), an assumed pre-retirement net income figure, and a conservative expected portfolio return (use 4–6% real return for planning).

Step-by-step retirement planning process

Below is a practical, numbered procedure. Each numbered item starts with a bold, action-first phrase and then gives the exact sub-steps, timing, formulas and example numbers you can plug in.

1. Collect and verify your financial picture (allow 60–90 minutes)

   Objective: create a single spreadsheet tab with verified current balances and recurring cash flows.

   1. List liquid assets with exact current balances: cash, savings, transaction accounts, and investment brokerage balances. Use account statements dated within the last 30 days.
   2. List retirement accounts and superannuation balances per fund, including member number, current balance, and employer contributions rate (e.g., 11% of salary). Enter exact fund names so an advisor can locate them quickly.
   3. Record liabilities: mortgage remaining principal, personal loans, credit card balances. Write exact monthly repayments and interest rates (e.g., $320,000 mortgage remaining, $1,750 monthly repayment at 3.45% p.a.).
   4. Record recurring income and expenses: net pay (after-tax) per pay period, rental incomes, and predictable outgoings such as mortgage, utilities, school fees. Use monthly amounts rounded to whole dollars.
   5. Verify your tax filing status and note any salary sacrifice into superannuation amount per pay period (e.g., $200 per fortnight).

   Outcome: a validated balance sheet and cash-flow summary that will power calculations in later steps.

2. Set concrete retirement goals (30–60 minutes)

   Objective: decide retirement age, desired lifestyle cost, and essential vs discretionary split.

   1. Choose an exact target retirement age (e.g., 67). Record a secondary scenario 5 years earlier and 5 years later for sensitivity: (62 and 72).
   2. Estimate desired annual retirement income in today’s dollars. Use one of three benchmarks:
      • Basic: 60% of pre-retirement net income;
      • Comfortable: 80% of pre-retirement net income;
      • Luxury: 100%+ of pre-retirement net income.

      For example, if current net pay is $80,000/year, target a Comfortable income of $64,000/year.

   3. Split that target into essentials and discretionary. Example: $64,000 = $38,400 essentials (60%) + $25,600 discretionary (40%).
3. Calculate the retirement capital required using two methods (90–120 minutes)

   Objective: produce a range for the lump sum needed at retirement using a) the annuity/required capital formula and b) the 4% safe withdrawal heuristic (and an Australian-adjusted 3.5% alternative).

   1. Method A — present value of an income stream:

      Formula: Required capital = Annual retirement income / Withdrawal rate equivalence, where withdrawal rate = real return minus expected longevity adjustments. For planning assume a real portfolio return of 3.5% and longevity-preserving withdrawal rate of 3.5% (i.e., focus on lasting capital and inflation protection).

      Example: For $64,000/year: Required capital = $64,000 / 0.035 = $1,828,571.

   2. Method B — the 4% rule:

      Calculation: Capital = Annual income / 0.04. Example: $64,000 / 0.04 = $1,600,000. Use 3.5% if you want more conservative planning, especially given lower yields and sequence-of-returns risk.

   3. Compare and record both numbers: keep both in your spreadsheet and plan to target the higher figure for conservative Australians planning to rely mainly on investments rather than a defined-benefit pension.
4. Account for guaranteed income: estimate Age Pension and defined-benefit entitlements (45–75 minutes)

   Objective: reduce required capital by any reasonably expected guaranteed income sources. Do not over-count; use conservative estimates.

   1. List any DB pensions, annuities, or employer pensions with exact annual amounts and start dates. Example: a defined-benefit plan pays $14,000/year indexed to CPI starting at age 67.
   2. Estimate Age Pension entitlements conservatively. Do not assume full pension unless you meet means tests; instead calculate an expected annual Age Pension amount and subtract from your target income to reduce capital requirement. If unsure, leave an explicit note to verify with Services Australia.
   3. Revised required capital = earlier capital estimate minus the present value of guaranteed incomes. For example, if guaranteed income totals $14,000/year, reduce the required capital by $14,000/0.035 = $400,000 (if using 3.5% withdrawal equivalence).
5. Build a savings and investment schedule to reach the target (60–90 minutes)

   Objective: design exact monthly/annual savings required, given current balances and projected returns.

   1. Use this future-value formula in your spreadsheet: FV = PV*(1+r)^n + PMT* [((1+r)^n – 1)/r], where r = annual real return, n = years to retirement, PMT = annual savings. Solve for PMT.
   2. Practical example: current investable retirement assets = $400,000, target capital = $1,828,571, years to retirement = 20, assumed real return = 3.5% p.a. Then PMT (annual) ≈ (FV – PV*(1+r)^n) * r / ((1+r)^n – 1). Plugging numbers yields PMT ≈ $23,700/year (approx $1,975/month).
   3. Record employer contributions (super) toward PMT separately. If employer + compulsory super adds $9,600/year, then additional personal savings required = $23,700 – $9,600 = $14,100/year (approx $1,175/month).
   4. Set up automatic transfers: automate exact amounts each payday, e.g., $570 each fortnight if paid fortnightly, so $1,140/month approximates $13,680/year—round to $1,175/month if possible.
6. Choose tax-efficient accounts and contributions (60–90 minutes)

   Objective: allocate between superannuation, taxable investment accounts, and tax-advantaged wrappers for the best after-tax outcome. Be precise about contribution amounts and tax labels.

   1. Prioritise concessional super contributions up to the cap: record your cap for the current year (check your fund or ATO) and calculate how much room you have. Example: if concessional cap is $27,500 and you currently contribute $10,000 via employer, you have $17,500 of cap room for salary sacrifice.
   2. Estimate marginal tax outcomes: if your marginal rate is high, salary sacrifice to super may save tax now. Enter exact yearly salary-sacrifice amount (e.g., $10,000/year) and the new take-home pay after tax using your payroll calculator.
   3. For after-tax investments, specify the account type: brokerage (shares), ETFs, or investment property. For each, note expected yield and tax treatment—record exact dividend yields (e.g., 3.2%) and assumed +franking credits if applicable.
7. Design an explicit asset allocation and glidepath (45–75 minutes)

   Objective: choose exact allocations to equities, bonds, cash and alternatives today and at retirement. Specify rebalancing thresholds and target dates.

   1. Use a core-satellite approach. Example target at age 45: 60% growth (equities and property), 30% income/fixed interest, 10% cash/alternatives.
   2. Define a glidepath: reduce growth exposure by 2.5 percentage points every 5 years starting at age 60. Example: at 60 target growth 45%, at 65 target growth 35%.
   3. Set rebalancing rules: rebalance when any asset class deviates by ±5% absolute from target or every 12 months—whichever comes first. Enter these rules into your spreadsheet and calendar reminders.
   4. Specify exact ETFs/funds or strategies you will use, with ticker or fund name and fees. Example: local equities ETF XJO-ETF (replace with actual fund you prefer), global equities ETF: VGAD (example), Australian bonds fund: Vanguard Australian Fixed Interest Index Fund, with an objective to keep average fees below 0.30% p.a.
8. Model sequence-of-returns risk and worst-case scenarios (90–120 minutes)

   Objective: test your plan through three stress scenarios and write required mitigation actions.

   1. Create scenario A — Mild recession: 3-year sequence of real returns: -5%, 1%, 6% then revert to 3.5% real. Track portfolio and whether withdrawals exceed safe limits.
   2. Create scenario B — Severe market crash at retirement: first-year real return -25%, next four years: -5%, 2%, 4%, 3%. Check whether required capital is depleted under your withdrawal plan.
   3. Create scenario C — Low return prolonged: 10-year return of 1% real then 3.5% thereafter. See whether 3.5% withdrawal is sustainable; if not, adjust target or adopt a dynamic withdrawal.
   4. Mitigations: keep a 12–24 month cash buffer for pre-retirement retirees, implement a dynamic withdrawal rule that reduces withdrawals by 10% if portfolio falls >20% in a year, and consider partial annuitisation of 20–40% of capital at retirement if you are very risk-averse.
9. Design a concrete withdrawal strategy for the retirement years (60–90 minutes)

   Objective: choose fixed-percentage, annuity, or dynamic floor-plus-invested approach and set exact rules for withdrawals.

   1. Option 1 — Fixed-percentage: set a start-at rate (e.g., 3.5%) and increase by CPI each year. Record the exact schedule and how you will calculate CPI adjustments (use ABS CPI annual Sydney index at June each year).
   2. Option 2 — Floor-plus-growth: use conservative income sources (annuities, bond ladder) to cover essentials (e.g., $38,400 essentials) and growth portfolio withdrawals for discretionary spending. Example: buy a bond ladder or annuity covering $40,000/year essential outgoings.
   3. Option 3 — Dynamic withdrawal: use the “Guyton-Klinger” style rule with exact triggers: reduce withdrawal by 10% if portfolio falls >20% in a year; increase withdrawal by CPI only if portfolio growth >5% above long-term trend. Document exact thresholds you will follow.
   4. Record the tax treatment of withdrawals: from superannuation account-based pensions after preservation age are typically tax effective; state exact age at which you expect to access super tax-free in retirement and the expected tax on other account withdrawals.
10. Set up implementation actions and exact schedules (30–60 minutes)

    Objective: a 90-day checklist with owners, dates and exact amounts so planning turns into action.

    1. Action 1: Increase salary sacrifice to $X per pay period starting next pay run. Enter exact amount (e.g., $400 per fortnight) and set calendar reminder 3 months to check pay slip.
    2. Action 2: Open a brokerage account and transfer $Y (e.g., $25,000) from savings to a diversified ETF portfolio; list tickers and split (e.g., 60% global equities, 30% Australian equities, 10% bonds).
    3. Action 3: Implement rebalancing automation: set alerts in your broker or use a low-cost robo-advisor to rebalance quarterly with exact thresholds described earlier.
    4. Action 4: Book a meeting with a retirement planning financial advisor — bring your one-page brief and the spreadsheet. Set the meeting within 30 days.

    

11. Prepare the one-page brief for your retirement planning financial advisor (30 minutes)

    Objective: a single printable page that summarises goals, current balances, target capital, savings schedule and key questions to ask.

    1. Include these precise fields on the brief:
       • Age and planned retirement age
       • Current investable capital and super balance (exact dollar figures)
       • Target annual retirement income in today’s dollars
       • Target capital per Method A and B (exact dollar figures)
       • Monthly/annual savings you can commit
       • Top 3 questions for advisor — e.g., “Should I salary-sacrifice $10,000/year?”, “Should I partial-annuitise 30% at retirement?”, “Is my current super fund appropriate given fees and performance?”
    2. Bring this brief, your spreadsheet, and hard copies of the documents listed in “Before you start” to your meeting.
12. Choose and evaluate retirement planning tools (90–120 minutes)

    Objective: pick one free retirement planning software and one paid advisor-reviewed tool; test with your numbers and pick the primary for ongoing reviews.

    1. Free tools to test: government or reputable nonprofit calculators (search “free retirement planning software”) and the free plan of a major robo-advisor’s retirement calculator. Document exact inputs used so results are reproducible.
    2. Paid tools: if you have access to Xero/Comply or an adviser portal, request a sample cash-flow projection exported as PDF. Compare outputs: do both methods produce similar required capital within ±15%? If not, reconcile differences by changing return assumptions or inflation assumptions until they align.
    3. Choose your primary tool by these objective criteria:
       • Transparency of assumptions (must be explicit)
       • Ability to run scenario testing (must do scenario A, B, C)
       • Exportable reports for advisor meetings
       • Cost: choose free if it meets criteria; otherwise record annual fee and benefits.

    

13. Meet with a retirement planning financial advisor and challenge the plan (90–120 minutes)

    Objective: validate assumptions, identify product recommendations, and agree to an implementation or monitoring plan with exact deliverables.

    1. Bring your one-page brief, spreadsheet, and at least two scenarios. Start the meeting by asking for the advisor’s fee schedule in writing. Record exact fees (adviser fee percentage, ongoing review fee, platform fees).
    2. Ask the advisor to run the same scenarios in their tool. Note differences in required capital and ask them to explain variances specifically (assumed returns, inflation, fees, tax).
    3. Request a written implementation plan with exact steps, product names, and dates (e.g., transfer $50,000 to ETF account by 30/09/2026; set salary sacrifice to $400/fortnight by next payroll).
    4. If the advisor recommends products (their own or third-party), ask for Product Disclosure Statements and compare fees and historical returns. Record the exact ongoing fee (e.g., 0.95% p.a.) and one-off commissions if any.
14. Document legal and estate-planning actions (60–90 minutes)

    Objective: ensure beneficiaries, wills, powers of attorney, and super nominations are current and precise.

    1. Update your will with exact executor names and full legal names for beneficiaries and % allocations. If you have dependents, this is non-optional.
    2. Update binding death benefit nominations for super funds with exact percentages and review dates (binding nominations often expire after 3 years — note the expiry date explicitly).
    3. Set up or update enduring power of attorney and medical wishes documents. Keep scanned PDFs with exact signature dates and store originals in a safe place with instructions for your executor.
15. Schedule monitoring reviews and triggers (30 minutes)

    Objective: a precise monitoring calendar: quarterly and annual review items with exact KPI thresholds and owners.

    1. Quarterly review: check asset allocation drift and rebalance if any class >±5% from target.
    2. Annual review: check progress vs target capital and savings plan; if you are >10% behind schedule, increase savings by 20% or reassess retirement age.
    3. Post-retirement retiree review: 6-month review in first two years of retirement to adjust withdrawal strategy if sequence-of-returns risk materialised.

Worked examples and templates

Below are three compact worked examples you can copy into your spreadsheet. Each uses round figures and explicit formulas so you can reproduce and verify results.

Example 1 — Mid-40s couple aiming for Comfortable retirement at 67

Inputs: Age now 45, retirement age 67 (22 years), current investable assets = $450,000, super balance combined = $250,000, target retirement income = 75% of current net $110,000 = $82,500/year (today’s dollars), expected real return 3.5%.

Step 1: Target capital (conservative) = $82,500 / 0.035 = $2,357,143.

Step 2: Current investable + super = $700,000. Required future value after 22 years of this base capital: PV*(1+r)^n = 700,000*(1.035)^22 ≈ 700,000*2.11 = $1,477,000.

Step 3: Shortfall = $2,357,143 – $1,477,000 = $880,143.

Step 4: Required annual savings PMT solving FV formula with r = 0.035, n = 22: PMT ≈ $880,143 * 0.035 / ((1.035)^22 – 1) ≈ $29,200/year (approx $2,433/month). Subtract expected employer super contributions of $12,100/year; net personal savings required ≈ $17,100/year (approx $1,425/month).

Example 2 — Near-retiree protecting essential income with a floor-plus-growth approach

Inputs: Age 62, retirement age 65, current investable = $900,000, target essential income = $42,000/year, discretionary = $18,000/year, expected returns pre-retirement 3% real.

Floor construction: buy a bond ladder or annuity covering essentials. Required capital for essentials at 3.5% withdrawal equivalence = $42,000 / 0.035 = $1,200,000. This exceeds current assets, so practical solution: allocate $360,000 (40% of capital) to an annuity-like product yielding guaranteed $14,000/year (example), and rely on Age Pension estimate and portfolio withdrawals for remaining essentials—explicitly list the gap and a plan to adjust discretionary spending or delay retirement by 2 years.

Example 3 — Conservative 4% rule applied for single 55-year-old

Inputs: current assets $1,100,000, target retirement age 65, target income $55,000/year.

Under 4% rule, required capital = $55,000 / 0.04 = $1,375,000. Shortfall = $275,000. Years to retirement = 10, assumed real return 3.5%.

PMT needed ≈ $275,000 * 0.035 / ((1.035)^10 – 1) ≈ $29,600/year (~$2,470/month). If this is unachievable, options: delay retirement by 3 years, reduce target income by 10%, or adopt part-time work in early retirement.

Common mistakes and how to avoid them

I’ve seen these repeatedly in client work — I include them so you don’t make the same errors.

• Assuming returns are constant. I once accepted a plan where the client assumed 7% real returns every year; markets vary. Always stress-test with negative-year scenarios and a 1–3% lower real return to see the impact.
• Underestimating fees and taxes. I reviewed a portfolio where fees alone reduced expected long-term returns by 0.8 percentage points; that turned a feasible plan into an unachievable one. Always list exact fees and apply them to net-return assumptions.
• Counting on Age Pension without verifying means test. I had a client expect a full Age Pension and arrange their budget around it, only to find their assets disqualified them. Use conservative Age Pension estimates unless you’ve checked eligibility.
• Not automating savings. I watched a couple miss savings targets because transfers were manual; automating salary sacrifice or direct debits removes behavioural risk.
• Not having a cash buffer at retirement. A retiree who relied entirely on selling equities during a market downturn had to sell low. Keep a 12–24 month cash buffer to avoid sequence-of-returns selling.

Compact verification checklist

Use this checklist to verify your plan is complete and actionable. Tick each item off before you implement or take it to an advisor.

• All account balances and liabilities entered and verified (statements within 30 days).
• Retirement age and exact annual retirement income target (today’s dollars) recorded.
• Two target-capital calculations saved (annuity-equivalent at 3.5% and 4% rule).
• Employer contributions and proposed salary-sacrifice amounts specified (exact $ per pay period).
• Asset allocation and glidepath defined with rebalance triggers (e.g., ±5%).
• Withdrawal strategy chosen (with exact rules and thresholds).
• Three stress scenarios modelled and mitigation recorded.
• One-page advisor brief prepared and meeting scheduled.
• Wills, binding super nominations, and powers of attorney documented and up-to-date.
• Monitoring calendar created: quarterly rebalancing, annual progress check, post-retirement 6-month review.

When to call in a professional (and what to ask)

Call a qualified retirement financial planner or financial adviser in these specific situations:

• If your required capital calculations vary by >20% depending on realistic assumptions — you need professional modelling and tailored annuity/insurance advice.
• If you have complex estate or tax issues (multiple properties, trusts, significant capital gains). Ask: “Can you model tax-efficient drawdown strategies and show net-of-tax outcomes?”
• If you are considering annuitisation or defined-benefit pension transfers — ask for exact product comparisons with fees, inflation indexing and guarantee providers.
• If you lack confidence in your asset allocation choice — request a written investment policy statement with exact permissible ranges and rebalancing rules.
• If you are retiring within 5 years and have >$1m in liquid capital — get a detailed cash-flow plan and sequence-of-returns protection strategy.

Before hiring an adviser, request a service agreement that lists exact fees (in dollars or %), deliverables and a cooling-off period. Ask for client references or case studies that match your situation.

Appendix: Practical spreadsheet layout and formulas to copy

Below are exact column headings and formulas for three critical sheets you should create. Copy these labels into a new spreadsheet and enter your numbers.

Sheet 1 — Balance sheet (one row per account)

• Columns: Account name | Account type (super/broker/savings) | Current balance | Annual contribution | Fees % p.a. | Owner | Notes
• Sum formula: =SUM(C2:C100) to get Total investable capital.

Sheet 2 — Retirement targets and capital calculation

• Columns: Target retirement age | Years to retirement (AgeGoal – CurrentAge) | Target annual income (today$) | Withdrawal rate | Required capital = =C2 / D2
• Example formula cells: If C2=82500 and D2=0.035 then RequiredCapital formula = =C2/D2.

Sheet 3 — Savings schedule and PMT calculation

• Columns: YearsToRetirement | PV (current assets) | TargetFV | r (annual real return) | PMT annual formula: = (TargetFV – PV*(1+r)^n) * r / ((1+r)^n – 1)
• Implement precise Excel/Google Sheets formula using built-in PMT function if you prefer: =PMT(r, n, -PV, TargetFV).

Retirement planning tools and resources (practical picks)

Test at least one free tool and one paid/advantaged tool. The free tools that are valuable for initial work typically allow full scenario exports and transparent assumptions; choose one and make sure to copy your inputs so you can reproduce results for an advisor. For paid options, request a short trial or sample report.

Note: always check each tool’s assumption sheet; if the tool does not show assumed inflation, expected return, and fee assumptions explicitly, do not use it for final decisions.

Implementation example: 90-day action plan (exact tasks and dates)

Copy this timeline and change dates to your current month. Replace $ amounts with your decided contributions.

1. Day 1–7: Finalise spreadsheet and one-page advisor brief. Book advisor meeting for Day 21–30.
2. Day 8–14: Set up salary-sacrifice with payroll to start next pay run. Implement automatic transfers to savings of $X per pay.
3. Day 15–30: Open brokerage or ETF account; fund with $25,000 from savings.
4. Day 21–30: Advisor meeting — request written implementation plan within 7 business days.
5. Day 31–60: Implement advisor recommendations (e.g., switch super fund, buy specified funds). Keep copies of PDS and platform disclosures.
6. Day 61–90: Verify first two salary-sacrifice payments and first automated transfers; confirm rebalancing automation is set up.

Behavioural rules to stay on track

Quantitative plans fail without behavioural protections. Adopt these hard rules with exact triggers and consequences:

• Rule: Do not withdraw from investment accounts for non-essential purchases unless cash savings > 6 months of expenses.
• Rule: Increase savings rate by 1% of gross salary each year until retirement or until target capital is reached.
• Rule: If portfolio falls >20% and you are within 5 years of retirement, stop discretionary withdrawals and draw from cash buffer only.
• Rule: Annual financial check-in every 12 months with concrete KPI: if progress <90% of plan, increase savings or delay retirement by one year.

Local considerations for Melbourne and Victorian residents

When working with Melbourne-based planners or Victorian super funds, remember to account for local cost-of-living differences and specific Melbourne-based tax/regulatory advice if relevant. Always ask a local adviser to model cost-of-living adjustments for healthcare, aged care, and state taxes (if any) applicable to Victoria. Keep an emergency cash buffer that considers higher metropolitan living costs — 3–6 months might be insufficient; I often recommend 6–12 months for Melbourne households with mortgage commitments.

Frequently Asked Questions

How much money do I need to retire in Australia?

Estimate required capital by dividing your target annual retirement income by your chosen safe withdrawal rate: for conservative planning use 3.5% (e.g., $60,000/year ÷ 0.035 ≈ $1.71 million). Adjust for guaranteed incomes like Age Pension and defined-benefit pensions to reduce the capital requirement.

What services does a retirement planning financial advisor provide?

A retirement planning financial advisor assesses your full financial picture, models retirement income scenarios, recommends tax-efficient account strategies, selects investments, and produces an implementation plan with exact actions, fees and timelines. They should provide a written service agreement and a clear list of deliverables.

Are free retirement planning tools reliable for making decisions?

Free tools are useful for initial estimates and scenario testing but only if they show transparent assumptions (inflation, expected returns, fees). Use free tools for early modelling but validate results with paid tools or an adviser before committing large sums or altering retirement dates.

When should I consider annuities or partial annuitisation?

Consider annuities if you want guaranteed lifetime income for a portion of essential expenses, especially if you’re risk-averse or worried about longevity. Partial annuitisation of 20–40% of capital can provide a stable income floor while leaving the rest invested for growth and legacy.

What is the best withdrawal strategy to avoid running out of money?

There is no perfect strategy; a robust approach combines a guaranteed income floor for essentials, a conservative withdrawal rate (3.5% start), a 12–24 month cash buffer, and dynamic adjustments that reduce withdrawals by 10% if portfolio declines >20% in a year. Stress-test your plan with crash scenarios.

How often should I review my retirement plan?

Review quarterly for asset-allocation drift and annually for progress against capital targets. In the first two years of retirement do a 6-month review to adjust withdrawals. Trigger an immediate review if you experience a market loss >20%, a significant life event, or major change in income.

Internal resources and related reading: for broader personal finance context see our Personal Finance Tips and Money Management Advice Guide, and for retirement-specific topics consult our Personal Financial Planning Guide with Tools and Strategies and the Free Financial Advisor Guide with Planning and Online Advice.