The challenge Liz and Shane were planning to retire within two years. Their immediate need was to find out the most effective way to transfer their business premises into their self-managed super fund (SMSF), without breaching their contribution caps. But they also had a complex portfolio of assets, including a company, an SMSF and two […]

The challenge Sally was 50 when she joined Harry as partner in a small law firm. She was looking at purchasing an investment property for $500,000 as an investment which would require a loan of $400,000. After re-entering professional life only a few years ago, Sally is now on the top marginal tax rate, so […]

The challenge Recently Orlando and Miranda turned 55 and wish to enjoy their retirement when they turn 65. Orlando earns $100,000 and receives 9% SGC ($9,000), while Miranda has not worked since having children. Orlando has a super balance of $500,000 whereas Miranda does not have any super. Their immediate need was to build up […]

The challenge David and Victoria are both 45, and David earns a reasonable salary of $200,000 and is on the highest marginal tax rate, and is looking to retire in 15 years when he turns 60. Meanwhile, Victoria does not work because she looks after their school aged children. Their home is worth $900,000 and […]

The challenge Once Mark and Jane had their savings plan in place, they understood that without appropriate levels of insurance their future plans could unravel due to unforeseen and costly events. Their immediate need was to protect their future, but do so in a manner that does not affect their ability to save and accumulate […]