Improving Estate Outcomes Through a Smart Superannuation Strategy
(Cash Out Recontribution Strategy + Portfolio Confidence)
Meet David & Helen
David and Helen, in their early 60s, were transitioning toward retirement. They felt comfortable with their savings, but they were concerned about the tax their adult children might face when inheriting part of their superannuation.
At the same time, they weren’t entirely sure if their investment portfolio was set up correctly for this next chapter — they wanted confidence that it was aligned to both their retirement income needs and their estate goals.
The Solution
We identified that a cash out recontribution strategy could significantly improve the tax efficiency of what they would eventually leave behind.
Alongside this, we helped ensure their superannuation and investment portfolio were structured appropriately for their retirement timeframe — balancing stability, income needs, and long term legacy planning.
The Benefits for David & Helen
✔ Better estate outcomes
More of their super can now be passed on tax free.
✔ A portfolio aligned to their retirement and legacy goals
Their investments are now positioned with a clear purpose, giving them confidence in both the present and the future.
✔ A clearer financial strategy
They now understand how their super, portfolio and estate planning work together.
✔ Peace of mind
They felt reassured knowing their family would benefit more from their hard work.
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