Preparing for Retirement With Clear Strategy and Strong Portfolio Management
(A Structured Pre Retirement Plan + Bespoke SMA Consolidation)
Meet John & Rebecca
With their children now financially independent, John and Rebecca finally felt they could focus on their own future. In their mid 50s, they estimated they had around ten years to go before retirement and wanted to understand:
• Where are we currently positioned?
• Are we saving enough?
• What should we be doing differently now that we have more cashflow?
Although their debts were low and their income had improved with fewer family expenses, they still lacked clarity about what retirement would look like financially. Their super was spread across multiple funds, and they had never really reviewed whether their investment portfolio matched their stage of life.
They didn’t want to leave the next decade to chance.
The Solution
We completed detailed retirement modelling to show John and Rebecca exactly where they stood today — and where they could be in 10 years with the right structure.
We then developed a plan that:
• used their increased cashflow in a tax effective way,
• reduced and cleared remaining inefficient debt,
• boosted retirement savings during their highest earning years, and
• consolidated super into a unified, professionally managed Bespoke SMA portfolio aligned to their retirement timeline.
This gave their investments purpose, discipline and clarity.
The Benefits for John & Rebecca
✔ A clear understanding of their retirement trajectory
For the first time, they could see what their retirement income would look like — and what changes would make the biggest impact.
✔ More tax efficient savings
Their spare cashflow now works harder without unnecessary tax drag.
✔ A well structured super and investment portfolio
The Bespoke SMA provided professional oversight, reduced risk, and aligned their investments with their long term goals.
✔ Confidence heading into the final decade of work
Their retirement plan is now intentional, measured, and achievable — giving them peace of mind and a clear path forward.
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