Case Study

Balancing Retirement Income with Generational Legacy

Approaching retirement, Mark (60) and Diana (61) structured income, simplified assets and planned intergenerational wealth transfer with clarity and long-term confidence.

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The Situation

Mark (60) and Diana (61) entered their final working year with substantial assets and important decisions ahead.

The Process

Strategic focus

– Sustainable retirement income modelling
– Investment property divestment strategy
– Superannuation optimisation and contributions
– Structured intergenerational gifting plan
– Education funding and legacy structures
Applied strategy

We designed a structured drawdown plan targeting capital longevity through to age 90.

The sale of an underperforming investment property reduced debt and strengthened liquidity.

Superannuation was optimised through additional contributions, and investments were rebalanced toward income-producing assets aligned to their conservative profile.

Share sales were carefully managed to support family gifting while preserving long-term capital strength.

Investment bonds were established to fund grandchildren’s education in a tax-aware manner.
Enduring impact

Mark and Diana now retire with clarity around income, asset distribution and family support, confident their wealth will serve both their lifestyle and their legacy.

*Names have been changed to protect clients’ privacy.

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