Bruining Partners

Bruining Partners is a West Leederville advice practice focused on superannuation, retirement and personal financial planning. It has experience with Western Australian public-sector retirement arrangements as well as the decisions faced by people approaching retirement.

Different superannuation structures can involve different access rules and benefit arrangements. Advisers help clients examine these alongside other income sources, with Centrelink and aged-care questions considered where they affect the retirement budget.

Financial planning connects income, spending, liabilities and family responsibilities to goals with different time frames. The distinction between accessible reserves and money intended for future milestones provides a basis for later investment choices. Retirement planning considers both the transition out of employment and how savings will be used afterwards. Superannuation access, regular expenditure, cash reserves and longer-term investments may each have different roles. Superannuation advice connects contributions, investment settings and access to benefits with a client's broader retirement plan. Savings held outside superannuation may also be relevant to the timing of future withdrawals.

The firm also addresses investment choices, family protection and estate matters. Advice connects the use of retirement assets with household responsibilities, liquid savings and expenses that may arise in later life.