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Pre-Retirement Planning – Case Study

You have worked hard for many years and retirement is on the horizon, however, because compulsory superannuation did not commence for some time after you turned 18 and you have spent most of your working life raising a family and paying off a mortgage, your superannuation is far lower than ideal.

Now is the time to act, there are many strategies available to support you but time is of the essence.

Case Study

Most people in their mid-50’s have been working since reaching age 16 to 20. Generally, they have raised a family and the children have left home to start their own careers. From time to time they do require the support of Mum and Dad but it is becoming less and less.

As people, in this age group, approach retirement, they start to think about the lifestyle they would like to enjoy during those years and whether their superannuation is adequate to fund their retirement.


  • Payout Mortgage
  • Travel both domestically and overseas now and in retirement.
  • Build up Superannuation.
  • Retire no later than 65 and most importantly maintain lifestyle at retirement.

How Did Elliot Watson Financial Planning Help?

We analysed the client’s present circumstances and identified the ongoing financial objectives needed to reach their goals. We then developed and put in place the essential wealth building strategies to achieve the desired outcome for retirement.  In doing so we identified significant tax benefits that would have otherwise been lost.

The strategic direction allowed sufficient allocation of funds for wealth creation while maintaining the clients’ lifestyle.

The process included a review of both their superannuation funds, estate planning needs and wills.

Value of Advice

By implementing retirement accumulation strategies, we significantly reduced the clients’ annual income tax liability and significantly increased their potential to grow  retirement savings.

The financial and investment strategies put in place allowed the clients to accumulate the necessary wealth to fund their retirement lifestyle.

As a result, they regularly travel and enjoy life to the fullest.

The estate planning strategies will allow the retirement assets to be distributed in accordance with both clients wishes.

Client Review

“We knew we were behind with our retirement savings but with Elliot Watson Financial Planning’s help things are looking good, we are excited and very much looking forward to retirement knowing that we can do all the things that we have been talking about for so long. The only other thing we need is grandchildren!”

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