Most people measure retirement readiness with one question.
Will my money last?
That question is incomplete.
Longevity is only part of the outcome.
Retirement success is about access.
Access to health.
Access to energy.
Access to choice.
Access to life.
Money supports retirement.
Capacity defines it.
We see this clearly in Perth.
Two retirees can hold identical balances.
One thrives.
One retreats.
The difference is readiness beyond the balance sheet.
Capacity compounds.
Physical capacity.
Cognitive capacity.
Social capacity.
Financial capacity.
Each form of capacity rewards early attention.
Each form of capacity punishes delay.
Decline accelerates when preparation is postponed.
Health narrows options.
Energy limits lifestyle.
Poor structure erodes confidence.
Late decisions restrict flexibility.
This is why retirement readiness should be measured through a wider lens.
At HPH Solutions, we look for indicators that numbers alone cannot show.
We ask different questions.
Can you sustain the lifestyle you want without constant trade-offs?
Do your assets align with the order you will actually draw them?
Does your strategy adapt to changing health and spending phases?
Do you understand the tax and Centrelink consequences before they appear?
Do you feel confident making decisions without reacting to fear?
These signals matter more than a single projection.
In Perth, housing wealth amplifies this challenge.
Property creates options.
Poor sequencing destroys them.
Super balances grow quietly.
Errors compound loudly.
Readiness is not a date on a calendar.
Readiness is a position of strength.
The New Year creates a natural reset.
It creates space for honest measurement.
In fitness, progress comes from consistency.
In investing, progress follows the same rule.
The greatest returns go to those who start early.
The greatest stability goes to those who stay deliberate.
If retirement is approaching, measure more than duration.
Measure your ability to keep living well.
That is the readiness indicator that matters.