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Retirement spending shifts across three stages, requiring adaptable planning and income strategies to balance early lifestyle goals, later stability, rising care costs and longevity risk.

Protect your financial data with strong passwords, MFA, phishing awareness, updates, secure Wi-Fi, account monitoring, backups, and trusted cyber advice.

SMSFs offer control over retirement savings, but valid death benefit nominations are essential to ensure benefits are distributed according to your wishes and legal requirements.