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Case study · Equity and legacy
A tech VP with $3.8M in shares and a lazy balance sheet. Now $25K a month.
Mid 40s. A global tech company. High net worth on paper, zero tax deductions in reality.
Names and details changed for privacy. General information only.
Mid 40s
VP at a global tech company
$700K+
Household income a year
$3.8M
In company shares, vested and unvested
$25K/mth
Retirement income, modelled
Their road map
From where they were, to where they wanted to be.
Case study · Equity and legacy
The VP and family
“All my wealth is in 1 stock. What should I do to diversify?”
Step 1 · Now
Where they started
| Household income | $700K+ |
| Vested shares | $3M |
| Unvested shares | $800K |
| Family home | $5M |
| Mortgage | None |
| Tax deductions | None |
| Income plan | None |
What we found
- All his wealth riding on 1 stock
- A $5M home with zero debt and zero tax deductions
- No structure converting wealth into income
Step 2 · Where
Where they wanted to be
Their goals
- Diversify out of 1 stock
- Renovate the family home
- Set the kids up for life
The goal
$25K / month
Retirement income, modelled.
Step 3 · How
What we did, and who did it
- A separate $1M investment loan against the home, within 80% of its value so no LMI, with tax deductible interest
UsBroker - $2M of shares sold down across several years, sequenced to manage the tax
UsAccountant - Share proceeds funded a complete renovation of the family home
Us - Tech share proceeds reinvested into high end Sydney residential property
Us - $500K in today’s dollars structured as a property deposit for each child at 25
Us - Retirement income modelled across multiple scenarios
Us
One combined strategy. Everything in one place.
Names and details changed for privacy. Results depend on your circumstances.
The result
$25K/mth
A lazy balance sheet turned into income, and a legacy.
- $25K a month in retirement income, modelled
- A renovated home the family actually enjoys
- Wealth spread well beyond 1 stock
- A wealth structure that flows to the next generation
That’s not just a financial plan. That’s a legacy.
Sound like you?
Wealth sitting idle in a single stock, with no structure?
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