Case Study

From a Modest Beginning to Retirement Certainty.

From a Modest Beginning to Retirement Certainty.

The Project

In the early 2000’s, Tom was a 27-year-old pilot earning a modest $20k pa. Tom came to see us to look at his options and potential for the future. Previously, Tom had struggled to save, but committed to $150 a week to build up a cash base. Upon reaching his $3000 goal, we helped Tom to start investing.

Tom invested $2000 and committed to a gearing plan with $250 of savings and $500 borrowed monthly. We also helped Tom address his insurance needs with life cover, trauma, and income protection. As Tom’s career progressed, he moved to a major airline and borrowed more. Despite being hit with a margin call in 2008, he had cash in his account to cover the call.

In the almost 15 years since, Tom married Noela, the couple had three children and bought a home, all addressed with increased insurance cover. Today, in his mid-40’s, Tom has over $600k across super and investment accounts. His savings have provided for renovations and an overseas holiday, along with income certainty when the airline industry was shuttered due to COVID

The Outcomes

  • Liquid assets from $0 to over $600k.
  • Mortgage payments met by investments.
  • Investments serviced several lifestyle goals.
  • Increased insurance cover as life changed.

Tom’s story shows if someone is prepared to commit to their financial goals early, they can be well on their way to success. Tom started when he was only earning a small amount of money and had little in the way of assets, so it’s really a matter of taking the first step. There have been some bumps, but with guidance and a robust investment strategy, a long-term advice partnership can yield real results.

Modest Beginnings to Retirement Certainty

Tom’s story shows if someone is prepared to commit to their financial goals early, they can be well on their way to success. Tom started when he was only earning a small amount of money and had little in the way of assets, so it’s really a matter of taking the first step. There have been some bumps, but with guidance and a robust investment strategy, a long-term advice partnership can yield real results.

Tom, Investment Advice & Wealth Management
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