Case Study

Restructuring Complexity into Sustainable $300,000 Income

Nigel and Francesca restructured a highly leveraged property portfolio to generate $300,000 annual retirement income with improved liquidity and tax efficiency.

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The Situation

Nigel, a high-earning surgeon, and Francesca were approaching retirement with significant wealth tied up across eight investment properties.

The Process

Strategic focus

– Phased property divestment strategy
– Debt reduction and liquidity strengthening
– Superannuation contribution optimisation
– Diversified multi-structure investment alignment
– Tax-aware capital reallocation planning
– Insurance cost rationalisation
Applied strategy

We implemented a staged sell-down strategy, prioritising underperforming properties and timing higher capital gains disposals into retirement to reduce tax exposure.

Sale proceeds were redirected toward debt reduction and diversified investment structures across SMSF, trusts and company entities.

Super contributions were maximised, including downsizer and catch-up provisions, while unnecessary insurance expenses were eliminated to improve annual cashflow.
Enduring impact

Nigel and Francesca now move toward retirement with structured liquidity, reduced complexity and confidence in achieving a sustainable $300,000 annual income.

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