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Sarah and Emma, a couple in their early to mid-60s enjoy an active lifestyle with no financial dependants and a substantial investment portfolio spanning multiple properties, superannuation accounts, and shares, their focus is on maintaining a comfortable lifestyle while simplifying and optimising their retirement structures.
Client Stories - Retired
Sarah & Emma - Optimising Retirement Structures After a Property Sale Client overview
Client Overview
The Challenges They Faced Included
- Managing proceeds from a recently sold investment property in the most tax-effective way
- Frustrations with their existing superannuation provider, including poor service and outdated technology
- Uncertainty around superannuation rules and timing of contribution opportunities
- Balancing their asset base between taxed income and tax-free pension phases
- Reducing unnecessary fees while improving transparency and reporting
- Maintaining confidence they were “on track” with retirement spending in-line with their lifestyle
Our Solutions Focused On
- Implementing superannuation contribution strategies, including pre and post-tax contributions to optimise tax efficiency and deploy property sale proceeds
- Completing a transition of super from outdated expensive solutions to a lower cost solution to with improve investment choice, and modern digital access and reporting
- Maximising funds in a tax-free environment, boosting after-tax returns while maintaining flexible access to income
- Rebalancing their investment portfolio to align with their income objectives, incorporating both growth assets and more conservative options for stability
- Establishing a systematic, multi-year plan in coordination with their accountant to capture opportunities each financial year
- Moving to more convenient monthly income payments for smoother cashflow management
- Introducing a structured annual review and monitoring framework to ensure strategies adapt as legislation, markets, and their lifestyle needs evolve
Where Sarah & Emma Are Now
Sarah and Emma now enjoy a streamlined, tax-efficient retirement structure that provides both confidence and flexibility. Their platform transition reduced costs and frustrations, while more of their wealth generates tax-free investment returns. They have maintained their desired level of annual spending while growing their overall net wealth, leaving them well positioned for future travel and lifestyle goals. With systematic contribution and pension strategies in place, alongside regular reviews and ongoing professional guidance, they feel assured that they are on track to enjoy their retirement and maintain long-term financial security.
These stories are real client stories. For privacy protection, we have changed their name and used an stock image.
