Their main concern is around whether they are maximising their opportunities with superannuation and when they will be able to retire and how much money they will require.  They want to retire in their mid 60’s and are not sure if this is possible.After going through the financial planning process with James, they received advice on how to maximise their opportunities within superannuation.  The advice recommended they restructure the way they received their income and as a result, they now save thousands of dollars in tax and are also able to make additional contributions to superannuation – boosting their retirement nest egg.The financial plan also covered the issue of how much money they will require to achieve financial security and independence in retirement and showed projections based on different scenarios to provide them with a better understanding of how the different decisions they make could affect their financial position in the future.  The advice also reviewed their budget (recommending they reduce spending) and provided John and Gwen with a clear repayment schedule for their remaining home loan, freeing up substantial cash flow that could be used to build their retirement savings.  Insurances were also addressed, as were Wills, Power of Attorney, Power of Guardianship, and managing taxation and asset protection of the inheritances to their children.