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Navigating love and money

Something's shifted – a divorce, a loss, or a retirement that's looking different than planned. Here’s how to figure it all out in time for your Second Act.
Make your retirement plan Watch the latest clip
John and Denise sitting on a sofa

Marriages come and go. Make sure your super keeps up.

Relationships change – and break-ups are tough enough without your super stealing the spotlight. Here’s a few things worth sorting sooner rather than later:

  • Review your beneficiaries. Super’s not covered by your Will. Make sure your super's going where you want it to, not to an ex from episodes ago.
  • Online beneficiary lodgement. Our members can make a binding non-lapsing nomination online with no messy paperwork. You’ve done enough of that.
  • Understand super splitting, at a high level. Just start with the basics. You don’t need a full legal deep-dive.
  • Check your insurance needs. Often, your cover can shift when your circumstances do. Make sure you’re not caught out.
  • Revisit your retirement plan. A plan built for two can look different solo (or with someone new, hubba-hubba).  
Your super – it’s a match

Same Second Act. Different ideas?

When it comes to retiring, you and your partner might not see eye to eye on everything.

See how finding common ground can help you move forward and make the most of your Second Act together.

Some helpful conversation starters

Talking to your partner about your shared goals is important. Here’s what might help:

  • Timing and income assumptions. Be clear about your plans. It’s worth mapping out when you want to retire and how to afford it.
  • Separate balances, shared plans. Two accounts, one future. Work out how you’ll both manage separate cashflows.
  • Housing, caring and family support. This is the stuff that never shows up on a super statement but is just as important for your future.
  • Getting advice from an expert. Even though you know how to Google, talking to a person about your needs and lifestyle is key.  
See how we can help
Retired couple smiling at each other outdoors

When loss changes what retirement was meant to be

Loss of any kind is hard. And the admin that comes with it can really add to the stress. That’s why, it pays to put some things in place now, so you and your loved ones don’t have to worry about it later.

  • Estate and Will support. Set up a simple, legal Will through SafeWill in around 20 minutes, at no extra cost to Aware Super members.*
  • Specialist guidance and bereavement support. Get professional advice about your super and real-life support, when you need it.  
Plan your Estate
Woman with glasses looking at laptop

*Aware Financial Services Australia Limited (AFSAL), (ABN 86 003 742 756, AFSL 238430), wholly owned by Aware Super Pty Ltd (ABN 11 118 202 672) as trustee for Aware Super, has engaged Safewill, an online will-writing platform. Safewill is a third-party who can assist you in creating a Will. AFSAL and its related entities do not currently receive any fees or commissions from Safewill. AFSAL, and its related entities, do not take any responsibility for Safewill’s services or any loss or damage arising from your use of these services. If you engage Safewill in creating a Will or other legal documents, you will be subject to Safewill’s terms and conditions. 

We are committed to protecting your privacy and the personal information you provide to us, and will not be sharing any personal information with Safewill. How we collect, use, hold and disclose personal information is detailed in our Privacy Policy, available at aware.com.au/privacy or by calling 1300 650 873.

When you access Safewill through the link we provide, it contains a secure code that represents your Aware Super member ID, and Safewill cannot use this code to identify your member ID. This code simply allows Safewill to confirm your eligibility and lets AFSAL know if you’ve signed up or completed a Will, so future communications can be tailored to you. The contents of your estate planning documents will never be shared with AFSAL.