What looking forward actually looks like

Most high earners have an accountant looking at last year.

Nobody is looking at next year.

Here’s what changes when someone actually is. This is what we built for a VP of Sales over 14 months.

One: we mapped his RSU vest schedule

The next two years. Every vest event. Every tax trigger. Every CGT window.

No more surprises in August when the accountant calls.

Two: we set up debt recycling

He had equity in his home and cash from previous vests sitting idle.

We structured his investment borrowing so the interest became tax deductible at his marginal rate.

Assets growing. Tax bill shrinking. Both at the same time.

Three: we built a retirement income model

Not a vague “you’ll be fine” conversation. A specific number. A specific date.

For him: $16,000 a month in passive income. Exit at 57.

That number changed everything.

Once you can see exactly when you can step back, the pressure shifts. You stop sprinting to stay even. You start building toward something real.

That’s what was missing. Not more income. Not a better accountant.

A forward looking plan built around what he was already earning.

Read more: retirement income modelling, or book an Early Retirement Clarity Call.