Campbell & Samantha

Age Group 40-50 years Old

Financial Goals:

  • Pay off the Mortgage
  • Superannuation Review & Advice
  • Well-Funded Retirement
  • Travel Overseas

Campbell and Samantha have 3 children aged 17, 15 and 12. They have almost paid off their mortgage (balance $75,000) and want to start planning for a comfortable retirement.

What CMW did to help them achieve their goals:

  • A friend introduced them to one of CMW’s advisers who helped them save $127/month on their home loan. They used those savings to make extra contributions to their home loan which would allow them to pay the Mortgage off even faster!
  • Conducted a full analysis of their current superannuation arrangements. Also started focussing on a plan which will allow them to work towards a comfortable retirement. Made recommendations about asset allocation and tax effective, superannuation contribution strategies. The clients were very interested in purchasing a property with their superannuation money which we can help with when the time is right.
  • Did an analysis of household spending, which gave Campbell & Samantha the tools and knowledge to save another $189/month. These cost savings along with their current proposed CWW budget, Campbell & Samantha were able to pay for a European holiday in 12 Months
  • We conducted a full analysis of Campbell & Samantha’s personal insurance. The Financial Planner was able to decrease their Life insurance and Total & Permanent Disability (TPD) insurance, as the clients did not need the high level of cover anymore because their children were becoming less financially dependent and their debt levels were low.
  • By saving money on their Life insurance, the clients were able to buy Critical Illness insurance which provides money in the event of a major illness, such as Cancer, Stroke, or a Heart attack. As they were getting older, they were becoming more at risk of such an event.
  • We significantly improved their cash flow position to maximise the probability of them achieving their retirement goals!

What we can help you achieve

  • Tax optimisation – reduce your tax bills!
  • Mortgage and debt elimination – pay your mortgage off faster!
  • Performance review of your current superannuation
  • Finding the best insurance cover & protection at the lowest price to suit you
  • Your risk profile – We find the best investment solutions to suit you
  • Helping you achieve your current life style & retirement objectives, in a comfortable manner