Case Study

Unlocking Confidence Through Strategic Downsizing

In their late 60s, John and Susie restructured their home and super to increase income, preserve capital and retire near family with confidence.

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The Situation

John and Susie, both in their late 60s, were enjoying retirement but growing increasingly concerned about capital longevity.

The Process

Strategic focus

– Downsizing and capital release strategy
– Superannuation downsizer contributions
– Tax-free pension conversion planning
– Sustainable income and return modelling
– Lifestyle-aligned retirement spending framework
Applied strategy

We guided the sale of their family home and reinvested surplus proceeds through the downsizer contribution scheme, increasing their combined super to approximately $1.15 million.

Pension accounts were structured in a tax-free environment, with a diversified portfolio targeting sustainable income of around $80,500 per annum.

A phased spending strategy aligned lifestyle enjoyment in early retirement with long-term capital resilience.
Enduring impact

John and Susie now live near family by the beach; confident their income is sustainable and their capital structured to support both freedom and flexibility.

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