Case Study
Bringing Pre-Retirement Advice Into Alignment
Bringing Pre-Retirement Advice Into Alignment
Client Profile
A couple in their late 50s, approaching retirement with:
Super, investments and an existing property
A trading entity and trust structure
Basic wills and outdated insurance
They knew they needed to “get everything sorted”, but each piece was being handled by a different professional.
The Challenge
They required help across:
- Retirement income and cash flow
- Tax and structuring
- Estate planning and asset protection
- Insurance review
- Lending and an additional investment property
Managing this through separate professionals risked conflicting advice, duplicated fact-finds, and missed opportunities.
How Everstead Helped
Instead of dealing with everyone in isolation, the couple engaged Everstead Wealth to coordinate the process.
Everstead:
- Connected them with a financial planner, accountant, lawyer, insurance adviser, mortgage broker and buyers’ agent
- Ran a single, high-level discovery process and shared relevant information with all parties
- Facilitated regular coordination calls so every recommendation supported the same retirement plan
- Project-managed timelines, tasks and follow-ups so nothing slipped through the cracks
Important: Everstead Wealth did not provide financial advice. All advice was given by the independent, licensed professionals involved. Everstead’s role was coordination and project management.
The Outcome
- A unified retirement income strategy across super, investments, property and Age Pension
- Tax-efficient structures for both retirement and eventual wealth transfer
- Updated insurance aligned with estate plans
- A carefully assessed investment property that supported, rather than strained, retirement security
- A clear roadmap and peace of mind knowing every professional was working to the same plan
Key Takeaway
On their own, each adviser could only see part of the picture. With Everstead coordinating the whole team, the couple moved from a patchwork of advice to a cohesive, confidence-building retirement plan.