Debbie was 63 years old and had recently lost her husband. She was faced with making major financial decisions on her own which she hadn’t had to do before. She had sold the investment property which had a large capital gain and the structure of her superannuation was not working for her and her superannuation balance was below where it needed to be. Debbie also wanted to retire in 3 years and wanted to go on 3 overseas holidays in retirement and buy a new car.

We were able to contribute funds to superannuation to reduce her capital gains tax which provided an estimated tax saving of approximately $36,000. We also increased her super balance from $75,000 to approximately $500,000 and we ensured that her investments within her superannuation were appropriate to her risk profile.

We were also able to show that if Debbie retired in 3 years, there would be enough money to last the rest of her life and she would also be able to afford the holidays and buy the new car.

David and his partner were high-income earners. They wanted to upgrade their home, however their high levels of debt made this almost impossible.

To organise their cash flow, we established a structured budget with clear goals. We then consolidated their existing debts and ensured they had the appropriate insurance to protect their lifestyle.

David and his partner now have zero personal debt and pay off their credit card monthly. They have also been able to purchase their dream home. In our latest review we helped to reset their goals, with the focus now on paying off their home loan as quickly as possible while looking for other savings opportunities.

Alan wanted to retire. But he didn’t know if he and his wife Kim, would have enough assets to do it.

Our first recommendation was to make additional super contributions to increase Alan’s retirement nest egg and reduce his personal tax.

We then identified an appropriate Account Based Pension provider, along with investment recommendations to meet Alan and Kim’s retirement goals.

To reduce their expenses, we also cancelled some insurances that were no longer required.

A longevity analysis showed Alan and Kim when they would be eligible for the age pension and how much they would receive. It provided reassurance they would have enough money to last their lifetime.

Danielle, 51, was recently divorced and feeling uncertain about her future. She wanted to heal from the divorce, but also start planning ahead using money from her settlement. In particular, she wanted to be in a position to buy a new family home.

Together, we reviewed her income and expense statements. We outlined the benefits of a well-diversified investment strategy. We explored tax-effective super options. We also helped her make the right decisions when markets fell during Covid.

Danielle is on track to buy a new family home without a mortgage. She is investing regularly into her super, and reduced her capital gains tax liability after selling an investment property. She also has a well-balanced investment account and feels far more secure about her future.

John, 43, and Louise, 39, wanted to repay their mortgage before John retires at age 65. They were also keen to invest their superannuation more ethically and ensure their family’s future is protected.

Together, we identified the extra repayments John and Louise needed to be mortgage-free sooner. We discussed their values around ethical investments to determine the ideal portfolio mix for their super. We also reviewed their insurance needs.

John and Louise are on track to repay their mortgage when John turns 65 – compared to age 69 before our recommendations. Their superannuation was rolled over to a new provider with proven ethical credentials. We also updated their insurance arrangements, providing peace of mind for the entire family.

Mark and Jade, 50, received an inheritance. They were unsure whether to pay down their mortgage, buy an investment property or invest in a wealth portfolio to build up their superannuation.

We started by exploring various scenarios with Mark and Jade. We then built multiple strategies to help them track towards, and achieve, their goals with a customised financial plan.

They are now debt free, with appropriate protections in place. Their super is growing steadily through tailored contribution strategies. They also have a Wealth Creation portfolio with a regular savings plan and a clear idea of how long their funds will last in retirement.

An ongoing service package is helping them stay on track.