When you hit 60, your relationship with the Australian Taxation Office (ATO) changes for the better. It is the preservation age where the rules shift, allowing you to access your superannuation tax-free in most cases. A great retirement is not just about how much you’ve saved, but how much you keep.

I have been looking into improving my marketing and one of the first questions the marketing people ask is “what is your elevator pitch?”. I was thinking about it and how this applies to me and then I thought I should turn around the question and ask my clients what is their business plan.

When I take on a new business one of my first questions is; what is your exit strategy? I think this is an important question for all owners of businesses wherever they are in their business lives.

I used to agree with this saying, if something is working why change it. However over the last 10 years I have had to change my opinion. I have seen so many industries change over the last 5 years.