Retiring Securely in Their Cherished Home
Client Profile
Age: 52 & 48
Net Worth: $4.3 million
Investible Funds: $2.1 million
Impact at a Glance
Retirement confidence: Clear financial projections confirmed their ability to retire in nine years with a $150K annual income.
Preserving their lifestyle: A tailored strategy ensured they could remain in their cherished home without the need to downsize.
Maximised financial efficiency: Cash flow and investment structures were optimised to sustain long-term security.
Integrated wealth management: Expert SMSF and accounting support aligned their superannuation with their broader financial goals.
Peace of mind: A structured, strategic plan replaced uncertainty with clarity and confidence in their future.
“Can we retire comfortably without selling our family home?”
This was the key question a couple faced after paying off their mortgage and looking ahead to their financial future. With surplus funds available, they wanted to ensure their wealth could sustain their desired lifestyle while continuing to live in their cherished home.
Their vision included generating additional income through a quarrying and excavation business, but they needed expert guidance to structure their finances effectively. Uncertain about how best to deploy their cash flow and superannuation, they sought a strategy that would provide long-term financial security without requiring significant lifestyle compromises.
Objectives
The couple sought a clearly defined pathway to retirement within nine years, targeting an annual income of $150,000. A key priority was maintaining residence in their long-time family home while building a sustainable income stream from their business. They wanted assurance that their wealth strategy could support these objectives without requiring significant lifestyle compromises.
Challenges
Despite their strong financial position, they faced key uncertainties:
Could they retire at their desired income level without selling or downsizing their home?
How should they deploy their surplus cash flow to maximise long-term financial security?
Would their superannuation and investments be sufficient to support their aspirations?
Strategic Approach
Through a disciplined and analytical process, MGD provided a comprehensive wealth strategy designed to meet their objectives.
Cash Flow and Investment Analysis: A detailed assessment of projected income, expenses, and asset growth enabled the couple to see the feasibility of their retirement goals.
Optimised Wealth Structuring: MGD identified strategies to enhance their financial efficiency, ensuring their investments and superannuation aligned with their broader objectives.
SMSF and Accounting Integration: Coordinated support in superannuation and tax structuring provided an additional layer of security, reinforcing their long-term wealth plan.
Outcome
By implementing a structured investment and retirement strategy, the couple gained confidence in their ability to retire on their terms. They now have a clear, actionable plan that allows them to remain in their home, sustain their desired income, and navigate their financial future with confidence.
