Case Study

Structuring Retirement Income for Longevity and Peace of Mind

At 66, Marlene structured her inherited super to create sustainable income, integrate Age Pension benefits and preserve wealth for her family.

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The Situation

Marlene (66) entered retirement following the loss of her spouse, inheriting $750,000 in superannuation.

The Process

Strategic focus

– Structured phased retirement income plan
– Longevity and drawdown modelling
– Age Pension integration planning
– Superannuation recontribution strategy
– Tax-aware estate preservation
Applied strategy

We implemented a staged income strategy, drawing $65,000 annually until age 75 and adjusting to $52,000 thereafter to support capital longevity.

Age Pension projections were incorporated to strengthen long-term security.

A recontribution strategy was applied to reduce future estate tax exposure, preserving more wealth for her family.
Enduring impact

Marlene now enjoys steady income, long-term security and the reassurance that her wealth will support both her retirement and her children’s future.

*Names have been changed to protect clients’ privacy.

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