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Peter (early 60s) and Anne (late 50s), were entering their final working years and starting to plan for retirement. With their children recently independent, they wanted to make the most of an inheritance and ensure Peter could retire at 62 while Anne continued part-time work.
Client Stories - Pre-Retirement
Peter & Anne - Planning for Early Retirement
Client Overview
The Challenge
When Peter and Anne came to us, they felt uncertain about how to:
- Make the best use of a large inheritance that was sitting in cash
- Reduce the high costs of insurance and super fees
- Find ways to reduce their tax while boosting retirement savings
- Maintain access to funds for lifestyle needs while building long-term wealth
- Confirm whether they could afford Peter’s early retirement while maintaining their desired lifestyle
Our Solutions
We worked with Peter and Anne to develop a tailored strategy that included:
- Restructuring investments - Deploying their inheritance into a diversified portfolio aligned with their growth profile, while keeping a portion in cash for flexibility and access to capital.
- Superannuation consolidation - Rolling Peter’s super into a lower-cost platform, reducing annual fees and simplifying their account structure.
- Tax-effective transition strategy - Investing tax efficiently outside super while progressively transitioning assets into superannuation over time, balancing tax benefits with access to capital.
- Insurance review - Significantly cutting premiums while maintaining appropriate cover for their needs.
- Retirement planning - Running projections to confirm Peter could retire at 62 with confidence and a clear income pathway.
The Results
Today, Peter and Anne feel far more confident about their retirement. They:
- Reduced insurance and super fees, saving thousands annually
- Achieved significant tax savings through smarter contribution strategies
- Grew their inheritance through diversified investments while still keeping funds available for lifestyle needs
- Cleared their mortgage and simplified their finances
- Have a clear plan for Peter to retire at 62 as planned, with confidence they can fund travel and lifestyle goals
Most importantly, they now have peace of mind knowing their financial future is secure, with regular reviews in place to adapt as their needs evolve.
These stories are real client stories. For privacy protection, we have changed their name and used an stock image.
