Turning a property windfall into a retirement launchpad
Client Profile
The Challenge
Tim and Tracey arrived with a good asset base but no unified plan. When their investment property sold unexpectedly, they suddenly faced a substantial CGT bill and $375,000 in cash they had no strategic plan for.
Without action, a significant portion of their windfall would have been eroded by tax, and their retirement savings would have remained fragmented and fee-heavy.
Multiple superannuation accounts generating unnecessary fees
Large capital gains tax exposure with no plan to offset it
$375,000 in cash sitting idle with no strategic deployment
No unified roadmap toward their $1.5M retirement target
Our Strategy
Consolidated multiple super accounts onto a single low-cost platform — cutting fees immediately
Made a $100,000 catch-up concessional contribution to Tracey's super — a large tax deduction to offset the capital gain
Maximised Tim's salary sacrifice to further reduce their combined taxable income in the year of sale
Placed $375,000 in a government-guaranteed high-interest account — safe, productive, accessible
Converted Tim's pension product back to accumulation — simplifying structure and reducing admin
Coordinated directly with their accountant to ensure contributions were correctly structured and claimed
The Results
“We finally feel like everything is working together. We came in with bits and pieces, and now we have a real plan. We can actually see how we’re going to get to where we want to be.”
If you are nearing retirement and are planning to sell an investment property, then discussing your options with a financial adviser may be worthwhile. Reach out using the button below to speak with one of our financial advisers.