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Retirement Questionnaire
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Age: 64 Occupation: Part-time caterer (sole trader) Location: Wollongong, NSW Marital Status: Widowed Dependents: None Current Super Balance: $320,000 Assets: - Home (owner-occupied, mortgage-free, valued at ~$950,000) - Catering equipment and van (~$20,000 total market value) - Business income: ~$20,000/year - Savings: ~$25,000 Liabilities: None Business Structure: Sole trader with ABN Goals: - Semi-retire at 65 while keeping the business running part-time - Maximise Centrelink Age Pension entitlements - Maintain a modest lifestyle with occasional travel and community involvement Concerns: - Unsure how her business and assets affect the pension - Doesn't understand how super withdrawals are treated under income test - Wants to avoid selling her home or winding up her business Needs: - Guidance on using super to supplement income tax-efficiently - Structuring the business to minimise impact on Age Pension eligibility - Plan for succession or exit of her micro-business
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