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Retirement Case Study

Client situation:

SituationBobJane
Age
60
65
Salary
$0
$0
Apartment
$800,000 - unencumbered
Shares
$0
$0
Super
$1,200,000
$350,000
Health
Good health
Children Chloe age 29, Isabel 25 and Oliver age 32
Insurance
Adequate general & personal insurance

Our Advice

  • Ascertain desired spending requirements for retirement.
  • Consider Superannuation Pensions such as account based pensions and converting lifetime complying pensions into market linked pensions.
  • Ascertain whether Bob and Jane want to preserve capital during retirement (so that capital can be transferred to their children and/or grandchildren).
  • Determine investments - including their capital and income characteristics - to analyse cash flows and tax minimisation opportunities.
  • Ensure that there is no personal insurance.
  • Estate planning, including superannuation assets which do not form part of a person’s estate,
  • Enduring Powers of Attorneys, medical directives, etc.

"Since engaging Chris Humphrey, I have benefited from his comprehensive financial, investment and tax knowledge. Chris and his team are always quick to respond to my queries and pro-active in updating me on any changes that may affect my financial situation. "

Dr Jason Stone