Elise Ryan is an Authorised Representative, GWM Adviser Services Limited, Australian Financial Services Licensee

Women are multi-taskers, we are terrific at juggling a family and career and we find it hard to say no when someone needs help but we often forget to ask for help ourselves.

Essentially, women are living longer and spending more time in retirement than generations gone by. The time spent working in the last century has not changed dramatically, we are spending approximately 40 plus years working towards retirement. However, we are living longer and spending twice as long in retirement than our predecessors, so we have to stretch our retirement funds and superannuation for 35 plus years.

Women also tend to have less in super when we reach retirement, this is due to a number of factors such as:

• The pay gap
• Time taken off work to have a family
• Time taken off work to care for elderly parents
• Returning to work part-time or not all

But it’s not all doom and gloom, there are strategies that we can put in place to help us build a strong retirement fund and a passive income that will see us through our retirement.

We believe education is the best place to start, attending one of our Income Solutions for Women events is a no obligation information evening that will show you some of the tools that can be put in place to achieve this goal.

Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information. The information in this document reflects our understanding of existing legislation, proposed legislation, rulings etc as at the date of issue. In some cases the information has been provided to us by third parties. While it is believed the information is accurate and reliable, this is not guaranteed in any way. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this document. Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product.