Case Study

Designing Sustainable Income for a 30-Year Retirement

Martin (60) and Sandra (58) restructured assets and investments to generate sustainable weekly income while protecting capital for a 30-year retirement.

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The Situation

Martin (60) and Sandra (58) were preparing to retire within two years, seeking assurance their $1.2 million in savings and property assets could support three decades of retirement.

The Process

Strategic focus

– Sustainable long-term income modelling
– Super consolidation and platform alignment
– Tax-aware asset ownership structuring
– Diversified, risk-managed investment portfolio
– Property divestment timing strategy
Applied strategy

We consolidated super accounts into a more transparent and diversified structure and repositioned savings under Sandra’s lower tax bracket to improve efficiency.

A carefully balanced portfolio was constructed to suppress risk while supporting consistent income.

Detailed modelling informed the optimal timing of apartment divestment and contribution strategies, ensuring capital longevity through to age 90.
Enduring impact

Martin and Sandra now approach retirement with structured income; reduced tax drag and confidence their wealth can support both lifestyle and longevity.

*Names have been changed to protect clients’ privacy.

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