You’ve worked hard for what might seem like more than a lifetime, and now it’s time to make the most of this next phase of your life.

For many, retirement can be a celebrated and long-awaited milestone; for others there can be a sense of loss at the end of successful career or uncertainty about what to expect next. Or it may be a situation that's been imposed on your through unexpected circumstances like job loss or illness.

Here are some tools, resources and ideas to help you make the most of your life after work.

Make the most of your retirement with financial advice

Watch the above video to see how a financial adviser can help you navigate through and maximise your retirement savings.

Pre-retirement strategies

With a little early planning, you can focus on the delights of retirement, not the dollars.

Other useful resources

    Different ways to access your super

    How you decide to access your superannuation can make a difference to your lifestyle and long-term financial security. (Source: CommBank)

    Account-based pension calculator

    With this calculator, you can work out whether you can make your pension last longer. (Source: ASIC MoneySmart)

    Which retirement income stream do you choose?

    Some research shows retirees increasingly prefer pensions and annuities to lump sums. But which income stream is right for you? (Source: Colonial First State)

    Portfolio management in retirement

    In retirement, investments may need a more tailored approach. Here are some key things to think about with your portfolio when heading into retirement. (Source: Financial Planning Association of Australia)