Wealth Generation (Age 30-50)

Ben, 34, and Amelia, 36, are a young couple with a newborn baby, managing high incomes—Ben earns $180,000 annually, while Amelia, currently on maternity leave, earns $160,000. They own a home valued at $1.2 million with an $820,000 mortgage and have $70,000 in cash. Despite their substantial earnings, they feel their wealth isn't growing as expected and seek professional guidance to make significant financial progress.

Brendan, 36, and Bianca, 34, are successful technology and marketing professionals. Brendan has an imminent liquidity event expected to realize approximately $5 million. Brendan earns $300,000 annually, while Bianca earns $120,000.

They held $300K in savings, earning minimal interest. They approached us seeking guidance on wealth-building strategies and a plan for managing their substantial windfall. Their primary concerns included how to exercise and sell shares Brendan holds, effective strategies for managing their wealth between now and the liquidity event, and ways to diversify their investments to secure long-term financial success.

David and Amanda, a dynamic couple in their early 40s, were focused on enhancing their financial position while managing a busy family life. They owned a home valued at $1.4 million with a mortgage of $650,000 and had $150,000 in savings.

Both held high-income jobs, with David earning $220,000 and Amanda $160,000. Their superannuation balances were $350,000 and $180,000 respectively, and their share portfolio, based on David’s gut-feel selections, had underperformed the market and incurred high
trading costs.

With young children in primary school and plans to send them to private school, David and Amanda sought professional advice on how to grow their wealth, plan for retirement, and manage their current financial commitments effectively.