Dave & Jill’s retirement journey

From uncertainty to peace of mind

Dave and Jill have been our valued clients for many years. As retirees, they found that maintaining their large family home in Auckland had become overwhelming, especially since it was just the two of them. While the investment strategy we managed was performing well, they faced a significant challenge; a commercial property investment they had entered into before working with us was underperforming and represented a concentrated financial risk in their retirement plan.

Concerned about their financial future and quality of life, they approached us for guidance. Using our sophisticated retirement modelling tools, including detailed cash flow projections, scenario analysis, and risk assessments, we identified a strategic path forward. The analysis showed that by exiting the commercial property investment and downsizing their Auckland home, they could unlock additional capital. This would allow them to purchase a comfortable retirement home near their family in Tauranga while strengthening their diversified investment portfolio.

Had they sought financial advice earlier, they could have avoided the risk of an underperforming commercial property investment. This experience highlights the importance of expert financial guidance early on to ensure a balanced, diversified strategy that aligns with long-term retirement goals.

With a clear plan in place, Dave and Jill took the leap. They sold their home and the underperforming commercial property, reinvesting the proceeds into their existing investment strategy, structured around our proven ‘3 Bucket’ approach:

• Bucket 1: Cash and term deposits to cover their needs for the next two years, with an additional reserve for unexpected expenses.
• Bucket 2: A conservative, income-focused strategy designed to provide stable, inflation-beating returns, ensuring a steady fund to replenish Bucket 1 when needed.
• Bucket 3: A growth-focused strategy with higher potential returns, ensuring their capital lasts a lifetime and contributes to a meaningful legacy for their grandchildren.

This strategy gave them financial security and confidence, knowing they had enough stable funds to weather market fluctuations while still investing for long-term growth.

Now settled in Tauranga, Dave and Jill enjoy their retirement surrounded by family, with the peace of mind that comes from expert investment management and regular reviews. They have easy access to their funds when needed and a structured plan that not only supports their lifestyle but also ensures they can leave a legacy for future generations.

Their story is a testament to the power of strategic planning and expert financial guidance, turning uncertainty into security and transforming their retirement dreams into reality.

Written by Mike Rawlings

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