Developed a comprehensive financial model of their current situation, further modelling scenarios of different housing expenditure and investment strategies and the impact it would have on their retirement
By discussing their objectives in detail and modelling the future outcomes, Tony and Mary had a clearer understanding of the investment strategy they needed to undertake and a roadmap to get them there
We recommended a debt recycling strategy to accelerate the reduction of their debt on their family home whilst unlocking equity for further investments and tax deductions
Implemented a cash flow management system to reduce unnecessary spending and direct surplus cash flow towards retirement savings
Diversified their investment portfolio by reducing their exposure to a concentrated share portfolio they received from inheritance
Took advantage of the 5 year rule for super contributions to boost their super and reduce their CGT bill from share sales
We analysed their situation, determined their risk needs and recommended a personal protection plan that would best suit their unique preferences
We also referred them to an estate planning specialist to get a testamentary trust in place which is essential for a young family
“When you’re caught up with a growing family, you don’t have time for anything else. But with the right advice, we finally felt like everything was going to be OK.”
Tony & Emma’s goal – Retire in 6 years with $120k income per year Assets: Family home, SMSF & Commsec share portfolio Employer: CEO Medical Industry & Office Admin Household Income: $400k plus bonus Family: Married with 4 kids Current Situation Have minimal debt on family home Need to review the performance of 3 […]
Keeping the good times coming in retirement Ed & Susan, both in their early seventies, sought ways to maximise their retirement savings. While having superannuation and some savings, the majority of their net wealth was tied up in the family home, which was up for sale. With their adult kids living independently with their […]
Jeff & Sam’s goal – Retire in 10 years with $150k income per year Assets: Family home, Super & Tech stocks Employers: Global US Tech Company & Recruitment Household Income: $550k plus Company Shares / RSUs Family: Married with 2 kids Current Situation Received a significant amount of company shares via share options and […]
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