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Case study · Retire in 10 years
A tech couple on $550K plus shares, retiring in 10 years on $150K a year.
One at a global US tech company, one in recruitment. Two kids, lots of company shares and a big tax bill on every vest.
Names and details changed for privacy. General information only.
$550K+
Household income a year
2 kids
Married, family home in Sydney
10 years
Until retirement
$150K/yr
Retirement income goal
Their road map
From where they were, to where they wanted to be.
Case study · Retire in 10 years
The tech couple
Two careers, two kids and no time to pull it all together.
Step 1 · Now
Where they started
| Household income | $550K+ |
| Company shares | Options and RSUs |
| Tax on vesting | Significant |
| Home equity | Not being used |
| Insurance | Underinsured |
| Share portfolio | Not monitored |
| Estate plan | 8 years old |
What we found
- A big tax bill every time shares vested
- Home equity sitting idle
- Underinsured, with an estate plan 8 years out of date
Step 2 · Where
Where they wanted to be
Their goals
- Retire in 10 years
- Consult part time after 60
- Travel twice a year, once local and once overseas
The goal
$150K / year
Retirement income, indexed to inflation.
Step 3 · How
What we did, and who did it
- A sell down plan for the options and RSUs, to cut the tax and the risk
Us - Tax on vesting planned year by year
UsAccountant - Debt recycling with a line of credit against the home
UsBroker - Super contributions maximised for both of them
Us - Insurance restructured to cover the family properly
Us - Wills and estate plan updated
UsSolicitor - Retirement income modelling, with part time consulting after 60
Us
One combined strategy. Everything in one place.
Names and details changed for privacy. Results depend on your circumstances.
The result
$150K/yr
A clear plan to retire in 10 years, on their terms.
- On track to retire in 10 years
- Less tax and less risk on their shares
- The family properly protected
- Time to travel twice a year
Two careers. One plan. A clear finish line.
Sound like you?
Two big careers, company shares, and no time to pull it together?
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