Case Study

Turning Property Wealth into Retirement Confidence

At 63, Shane restructured his home equity and super contributions to secure sustainable retirement income and long-term financial independence.

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The Situation

Shane (63) had built strong income and super savings over his career, but knew relying solely on his $450,000 super balance would fall short in retirement.

The Process

Strategic focus

– Downsizing and equity release planning
– Super contribution optimisation strategy
– Salary sacrifice and tax efficiency
– Retirement income projection modelling
– Cash buffer and liquidity planning
Applied strategy

We mapped a downsizing strategy that released approximately $550,000 in surplus capital, contributing strategically into super over two years while retaining a $70,000 liquidity buffer.

Salary sacrifice arrangements strengthened his retirement position further, with modelling projecting a super balance exceeding $1 million by age 65, supporting an estimated $60,000 annual income.
Enduring impact

Shane now approaches retirement with structure, flexibility and confidence, knowing his property wealth has been repositioned to support long-term independence.

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