Optimising Retirement Investments to Fuel Lifelong Adventures
Client Profile
Age: 62 & 63
Net Worth: $7 million
Investible Funds: $5 million
Impact at a Glance
Financial confidence: A personalised investment strategy secured their ability to fund a fulfilling retirement without financial stress.
Strategic tax management: Optimised wealth structuring minimised tax liabilities, allowing for greater financial efficiency.
Lifestyle enhancement: Smart investment decisions ensured they could balance their passion for travel with home renovations.
Comprehensive wealth planning: An integrated approach aligned their investments with their long-term aspirations.
Freedom to explore: Thoughtful planning enabled them to pursue their passions without financial hesitation or compromise.
“How can we invest wisely to fund our travels and secure our future?”
Following a rewarding career in aviation, this couple was eager to embark on their next adventure—extensive global travel combined with long-planned home renovations. The sale of a property provided strong capital, yet they felt uncertain about the best way to invest, concerned about tax implications and long-term financial sustainability. Seeking expert guidance, they turned to MGD Wealth for a sophisticated, tailored approach to wealth management.
Objectives
Their primary goal was to ensure their financial resources could support an adventurous retirement. Having recently sold a property for $1.4 million, they needed a strategic plan to invest the proceeds wisely, navigate complex tax considerations—particularly capital gains tax—secure funding for home renovations without compromising their investment portfolio, and maintain financial confidence throughout their retirement.
Challenges
Despite their strong financial position, they faced key uncertainties:
How could they invest the property sale proceeds effectively while mitigating tax liabilities?
What strategies would allow them to manage rising renovation costs without jeopardising their travel plans?
Would their wealth continue to support them long-term, even as market conditions fluctuated?
Strategic Approach
Leveraging a collaborative approach, MGD’s Wealth and Tax teams devised a bespoke financial strategy that delivered clarity and structure to their wealth management:
Tax Efficiency & Wealth Structuring: Careful tax planning minimised liabilities, allowing them to preserve more of their wealth for investment and personal goals.
Investment Strategy Optimisation: A carefully curated investment portfolio ensured their funds were working efficiently to sustain their retirement lifestyle.
Flexible Funding Solutions: When renovation costs exceeded expectations, strategic cash flow planning provided a sustainable solution without disrupting their investment trajectory.
Outcome
With a robust financial strategy in place, this couple now enjoys the freedom to travel the world with confidence. Currently traversing South America on their motorbikes, they are embracing each new experience without financial worry. With a well-structured investment plan supporting their long-term objectives, they feel empowered to continue their adventures for years to come.
