Many people approaching retirement carry some form of debt — whether it's a remaining mortgage, a car loan, or a credit card balance.

From a peace of mind perspective , being debt free may seen a good idea

The good news is that it depends , as an example an investment property may have a large capital gain which may need to be sold to clear any loans , conversely deferring the sale of the property into the next tax year could have significant advantages

The key is understanding which debts to prioritise, which to leave alone, and how your debt position affects your retirement income strategy. Not all debt is created equal — some may actually be worth keeping in certain circumstances.

Together, we'll look at your full picture: what you owe, what it's costing you, and the most sensible path to entering retirement with confidence rather than concern.

A good place to start:

• What debts do you currently hold, and at what interest rates?

• Is your home loan likely to be paid off before you retire?

• Are there any debts that could be cleared using super or other assets?

• You've worked hard to get where you are. Let's make sure debt doesn't get in the way of the retirement you've earned.