Category: Client Case Studies

Streamlining with debt reduction to focus on bigger picture financial goals

Background: Our clients are a married couple in their early 50’s with two teenage children. Their household income is $280,000 per annum. They have a home in the Sutherland Shire worth $2,000,000, savings of $30,000, $400,000 in superannuation. They have a mortgage, car loan, personal loan and credit card that is nearly maxed out. Goals: […]

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Developing a strategy for our retired client that will save her an estimated $59,252 in estate tax plus continue to accumulate super funds in the first five years of retirement

Background: Our client is recently retired. She is 65 and in a de facto relationship with no financial dependents. The client owns her home worth $2,500,000, has $250,000 in cash, $830,000 in superannuation and has retirement living expenses of $50,000 per annum. Goals: Develop a financial plan for retirement.  Review her current super account, investments

Developing a strategy for our retired client that will save her an estimated $59,252 in estate tax plus continue to accumulate super funds in the first five years of retirement Read More »

Married couple in their mid 50’s who are currently renting plan their retirement for 10 years time including property purchase in the country

Background: Our client are a married couple in their mid 50’s with a household income of $300,000/annum. They are currently renting and have super balances worth $488,000, spread over 6 super accounts. They also have savings for a property deposit of $250,000. Goals: Develop a financial plan for their retirement. The goal is to be

Married couple in their mid 50’s who are currently renting plan their retirement for 10 years time including property purchase in the country Read More »

56 year old clients will retire debt free at 60 with their travel to-do list already in the planning stage!

Background: Our clients are a couple who are both 56 and have a household income of approximately $340K/annum. They have a mortgage of $570,000 against their home and investment assets of $1,657,000, which is made up of their savings, super accounts and a personal share portfolio. They would like to be in the position to

56 year old clients will retire debt free at 60 with their travel to-do list already in the planning stage! Read More »

How our client used their investment property sale to boost their super balances and minimise capital gains tax

Background: Our clients are a married couple in their 60’s with household income of approx. $35K/annum (one partner is still working part time). They have recently sold an investment property where the capital gain was $160,000. Following the sale of their investment property, the clients would like to use sale proceeds to help build their

How our client used their investment property sale to boost their super balances and minimise capital gains tax Read More »

Celebrating retirement together with a champagne

How this couple will fund their living expenses of $100,000 p/a from their investment portfolio

Background: Our clients are a married couple both turning 60 in 2023. The husband has just retired, and the wife is on long service leave. She is currently receiving 50% of her income for the next 8 months. The client’s home is in a great location in the Sutherland Shire and is worth approximately $4,000,000.

How this couple will fund their living expenses of $100,000 p/a from their investment portfolio Read More »

Happy man sitting and holding cup of hot coffee.

Working hard towards the possibility of an early and comfortable retirement

Background: Our client is a single male turning 50 this year. He has an annual income of approx. $95K/annum. He does not own a property and has investment assets of $505,000. This is made up of his savings, super & investment accounts. We have been working with this client on his retirement strategy since 2017.

Working hard towards the possibility of an early and comfortable retirement Read More »

Getting a retirement plan in place while aged in the early 50s to allow retirement at 65

Background: Our clients are a couple in their early 50’s with a household income of approximately $155K/annum. They have a mortgage of $414,000 against their home and investment assets of $431,000, which are made up of their savings, super accounts, and a personal share portfolio. Clients would like to retire when they are 65, so

Getting a retirement plan in place while aged in the early 50s to allow retirement at 65 Read More »

Retired clients now have confidence that they will be ok financially in retirement and don’t need to lose sleep around money.

Background: Our clients are a couple in their 60’s who are both retired. One client has reached Centrelink eligibility age, while his partner has only just turned 60. Clients have net assets of $2,163,000, including their home, super accounts and current savings. Goals: Fund their living expenses of $1,000/week from their investment portfolio & any

Retired clients now have confidence that they will be ok financially in retirement and don’t need to lose sleep around money. Read More »