Case Study

Transforming Inheritance into Structured, Sustainable Wealth

At 60, Greg and Michelle invested a $1.1 million inheritance strategically, integrating super contributions and diversified assets to generate reliable long-term income.

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The Situation

Greg (60) and Michelle (60) received a $1.1 million inheritance following the sale of a family property and related assets.

The Process

Strategic focus

– Maximised non-concessional super contributions
– Superannuation restructuring and pension alignment
– Diversified, tax-aware investment portfolio
– Sustainable income and return modelling
– Integrated cashflow and drawdown planning
Applied strategy

We structured substantial non-concessional contributions into superannuation, strengthening their retirement position and improving tax efficiency. Super accounts were aligned into pension structures, while remaining capital was invested in a diversified portfolio targeting a 6% return. A coordinated drawdown strategy was implemented to generate approximately $100,000 per annum without compromising long-term capital resilience.
Enduring impact

Greg and Michelle now manage their inheritance with discipline and clarity; confident their wealth supports both lifestyle today and security tomorrow.

*Names have been changed to protect clients’ privacy.

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