Menu

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 planning 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.

" Chris provided me with timely, extremely valuable, unbiased advice on a number of occasions. He is very skilled at understanding one's particular circumstances and tailoring the advice he gives accordingly. I have every confidence in his expertise and integrity and am happy that he is managing our financial affairs. "

Dr Penelope Brassey