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When Peter and Susan, a couple from the Gold Coast, came to us in their early 70s, they had recently retired and were focused on enjoying life after 50 years of marriage. They had accumulated substantial assets — including their family home, superannuation balances, and a large amount of cash across multiple banks. While financially secure, they were worried about ongoing tax bills, their estate planning, and whether their money was working hard enough for them in retirement.
Client Stories - Retired
Peter & Susan’s Path to a More Tax-Efficient Retirement
Client Overview
The Challenges Peter & Susan Faced Included
- Holding a large amount of wealth in low-yielding cash deposits
- Multiple superannuation accounts, creating unnecessary fees and complexity
- Ongoing Tax Bills, with their savings generating taxable income
- Concerns about how their superannuation would be taxed when inherited by their two daughters
- A conservative mindset, shaped by past negative advice experiences and market downturns
Our Solutions Focused On
- Consolidating superannuation into a single, more efficient solution, reducing administrative burden and unlocking wider investment options
- Implementing a structured super strategy, shifting balances so that future benefits to their children could be received 100% tax-free
- Transitioning super into a more balanced investment mix, aligning with their comfort level while generating higher long-term income potential
- Establishing a new account-based pensions, ensuring tax-free retirement income streams and beneficiary protection
Where Peter & Susan Are Now
With our guidance, Peter and Susan now enjoy a simplified retirement structure that is more tax-efficient and easier to manage. Their superannuation is consolidated, investments are working harder without increasing their risk beyond what they’re comfortable with, and their estate planning is up-to-date.
Importantly, the super strategy used has ensured that their daughters will inherit in a tax-free manner, reducing future burdens and preserving family wealth across generations.
After past negative experiences with advice, Peter and Susan described our approach as transparent, educational, and reassuring. They particularly valued the clear explanations, visual tools, and the fact that they never felt rushed or pressured. Today, they have renewed confidence in their financial future — and peace of mind knowing their wealth will support both their lifestyle and their family legacy.
These stories are real client stories. For privacy protection, we have changed their name and used an stock image.
