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Case study · RSUs and debt recycling
A Sales Director with $1M of lumpy pay, now on track for $20K a month.
Early 50s. A US listed tech company in Sydney. Commission that swung by $300K a year, so the big decisions kept getting pushed back.
Names and details changed for privacy. General information only.
Early 50s
Sales Director at a US listed tech company
Up to $1M+
Base, commission and RSUs a year
$1M
In company shares, vested and unvested
$20K/mth
Retirement income goal
Their road map
From where they were, to where they wanted to be.
Case study · RSUs and debt recycling
The Sales Director and his partner
Two kids. Big income, but no plan for the bonus, the shares or the retirement date.
Step 1 · Now
Where they started
| Base salary | $250K |
| Commission | $250K to $550K |
| RSUs a year | $100K to $200K |
| Vested shares | $400K |
| Unvested shares | $600K |
| Super | $900K |
| Mortgage | $550K |
What we found
- Commission swings made long term decisions hard
- Too much wealth tied to one company’s stock
- Home equity sitting idle, with no tax deductions
Step 2 · Where
Where they wanted to be
Their goals
- Retire early, on their terms
- Help the kids into property
- Less stress about money
The goal
$20K / month
Passive retirement income, indexed to inflation.
Step 3 · How
What we did, and who did it
- A set plan for every bonus: tax first, then super, mortgage and portfolio
Us - Quarterly RSU sell down matched to his vest dates
UsAccountant - A $1M line of credit against the home, invested in a diversified portfolio with tax deductible interest
UsBroker - Super contributions for both partners, including cash into super
Us - Protection plan reviewed and restructured
Us - Testamentary trust so assets pass to the kids protected
UsSolicitor - Retirement income modelling across multiple scenarios
Us
One combined strategy. Everything in one place.
Names and details changed for privacy. Results depend on your circumstances.
The result
$20K/mth
A clear path to passive income in retirement, sooner than he thought.
- Can retire sooner than expected
- More wealth, and far less riding on one stock
- Every bonus now builds wealth instead of disappearing
- A legacy plan for the kids
He told me he feels more in control and far less anxious about his financial future.
Sound like you?
Big income, lumpy pay, and shares just sitting there?
If this sounds like you, let’s talk. 15 minutes, no cost, no obligation.
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