Case Study

Diligence, Hard Work & Advice

Diligence, Hard Work & Advice

The Project

Brian and Lynn came to us in 2003 with average super balances, Brian with an old-style super account with an exit penalty, and $10,000 to invest. We consolidated Lynn’s super into a wrap, while setting up a diversified portfolio with their $10,000, and searching for a solution to Brian’s super.

After a year, the couple, now aged 56 and 48 respectively, were keen to focus on retirement planning. On our advice they increased their contributions, while borrowing $50,000 to gear into an investment. Three years later, an opportunity arose to buy the interior design business Lynn worked for. They jumped at the chance, resolving to work hard over the next decade.

The couple paid off the debt and increased their super contributions with the successful business. By 2015, they’d organised a buyer for the business, taking $200k from the sale to contribute to super, adding to the $620,000 they’d accumulated. With their age difference their assets were structured to ensure Brian received full age pension.

The Outcomes

  • Age difference used to maximise outcomes.
  • Strong focus on super contributions.
  • $70,000 income stream, including age pension.
  • Over $1 million in super assets.
  • Strong advocates for planning process.

Brian and Lynn’s story is another unassuming tale of success that didn’t require much more than their diligence and hard work, topped off with our advice. When they first walked in the door, they didn’t have huge balances, but they were prepared to listen and follow our advice. When opportunities arose, we were there to help guide them and it’s ensured they’ve maximised their account balances to enjoy a fruitful and well-funded retirement.

Services Provided

Planning Advice
Diligence, Hard Work & Advice

Brian and Lynn’s story is another unassuming tale of success that didn’t require much more than their diligence and hard work, topped off with our advice. When they first walked in the door, they didn’t have huge balances, but they were prepared to listen and follow our advice. When opportunities arose, we were there to help guide them and it’s ensured they’ve maximised their account balances to enjoy a fruitful and well-funded retirement.

Brian, Advice & Planning
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