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Setting Up for Long-Term Financial Success

Our clients, a married couple in their late 30s and early 40s, came to us seeking strategic financial advice to make the most of their surplus income and plan confidently for the future. With two young children and strong career trajectories, one a commercial pilot with Qantas, the other a government aviation official, they were in a solid financial position but unsure how to best use their resources for wealth creation, tax efficiency, and retirement security.


The couple had several complex financial considerations:

  • They were already making additional mortgage repayments and wanted to confirm if that was the most efficient use of their cash flow.
  • The primary income earner was seeking ways to minimise tax obligations.
  • The secondary earner had a disrupted superannuation history due to time spent overseas and wanted to catch up.
  • They were considering purchasing a new home within 1-2 years and were exploring whether to retain their existing home as an investment property.
  • They aimed to retire between the ages of 55 and 70, depending on individual preferences, and wanted to maintain a retirement lifestyle of $75,000 per annum with an additional $25,000 travel budget.

Health and estate planning were also significant concerns. One partner had ongoing medical needs requiring regular surgeries, which impacted leave balances and added to their motivation to ensure strong insurance protection and estate planning.

Our Approach

We conducted a comprehensive financial review, including:

  • Cash Flow Analysis
    Confirmed a healthy combined income of over $400,000, with a substantial annual surplus of over $160,000 after expenses.
  • Debt Strategy
    Reviewed mortgage structures and offset accounts, evaluated the value of surplus repayments, and discussed alternative options such as investments with greater liquidity.
  • Insurance Audit
    Assessed their current insurance within superannuation and recommended top-ups where needed, ensuring coverage in the event of illness or loss of income.
  • Retirement Projections
    Created a tailored retirement plan, balancing aggressive super contributions with near-term lifestyle and property goals.
  • Investment Strategy
    Identified that their risk tolerance was high (95% growth orientation), allowing for a long-term, high-growth investment strategy.
  • Estate Planning Review
    Initiated an update of their wills, powers of attorney, and beneficiary designations to ensure wealth protection, particularly regarding children from previous relationships.

Results and Strategic Outcomes

By working with our team, the couple now has:

  • A clear roadmap to purchase a new home while maintaining adequate liquidity.
  • An optimised superannuation contribution strategy for both partners.
  • Improved insurance coverage tailored to their occupational risks and medical history.
  • Estate planning safeguards to protect their children’s inheritance.
  • Clarity and peace of mind around how their surplus cash flow is best allocated across debt reduction, investments, and retirement planning.

“We finally feel in control of our finances and confident about our future. The advice we received was holistic, practical, and tailored to our exact situation. We now understand how to make our money work smarter and have a long-term plan that gives us peace of mind.”