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CASE STUDY

How James secured a reliable and predictable income at age 67 so he could retire comfortably.

His Goals

Group 480

Maintain a comfortable lifestyle

Keep the lifestyle he was used to without worrying about making ends meet.

Group 481

Create a predictable outcome

Have peace of mind knowing his income wouldn't fluctuate.

Group 482

Maximise pension

His government benefits were previously being reduced by holding too many assets.

About James

Meet James, a 67-year-old retired carpenter who, like many retirees, craved a comfortable retirement with predictable and reliable income. But a healthy super balance was unexpectedly affecting his Age Pension eligibility due to the Assets Test.

James had worked hard for his money and was worried that a share market crash could really hurt his super balance and overall retirement lifestyle. He contacted us to help him create a comfortable retirement without financial anxiety.

Lifetime Income Stream

This low-risk investment provides James with a steady, predictable income stream through retirement, regardless of market fluctuations.

Contribution Strategy

We created a plan to maximise James’ contributions to superannuation, reducing his tax burden and boosting his retirement savings.

Optimised Super

We reviewed his Super and ensured he was in a fund with lower fees and aligned his investment options to his risk tolerance. This helps James maximise his long-term retirement savings.

Financial Confidence

We equipped James with the knowledge and tools he needs to manage his finances confidently throughout his retirement. This empowers him to make informed decisions about his future.

The Results: A Secure Future

Increased Age Pension

 Investing in a Lifetime Income Stream lowered his assets considered for the Age Pension test, increasing his eligibility.

Guaranteed Income

A portion of his income is guaranteed for life, ensuring his essential expenses are covered for the ultimate peace of mind.

Maximum Security

By combining the Age Pension, lifetime income and a Super pension, James has a diversified and secure retirement plan.

Future Flexibility

Retaining a portion of his savings in superannuation ensured he had access to capital for any holidays or unplanned expenses.

The Benefits of Strategic Planning

James’ story showcases the power of strategic financial planning.

Free from worries about finances, he can now relax and truly enjoy his retirement. Strategic planning brought him not just a secure income, but also peace of mind – the perfect foundation for his golden years.

If you’d like to create a plan for your own life with unbiased advice and personalised support, click the link to book a free session today

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Disclaimer: This case study is for educational and general information purposes only. It does not constitute financial advice. Specific details, including names and figures, have been modified to protect client privacy.

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Verdant Wealth Pty Ltd t/a Verdant Wealth ABN (31 672 727 623) is a Corporate Authorised Representative (1307207) authorised through Cobalt Advisers Pty Ltd ABN (64 628 654 099) who is an Australian Financial Services Licensee 512550.

General Advice Warning:
Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances.We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document.Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.

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