Your retirement income won't come from just one source. Most Australians approaching retirement have accumulated a range of assets over their lifetime — superannuation, property, shares, savings, business interests, and more.

Understanding the full picture of your capital resources is an essential first step. It tells us what you're working with, where your income in retirement will come from, and whether there are assets that could be restructured or better utilised.

You may have more to work with than you realise — or there may be opportunities to consolidate and simplify before you retire.

Common capital resources to consider:

• Superannuation balances (including any accounts held by a spouse)

• The family home and any investment properties

• Share portfolios and managed funds

• Cash savings and term deposits

• Business assets or goodwill

• Inheritances expected or already received

Together, we'll build a clear and complete picture of where you stand — so every decision going forward is grounded in reality, not guesswork.