The following case study relates to a real life example of how we helped
Keith and Bernadette, achieve the following results in 10 years


In tax savings


Increase their property portfolio by 3 times


Increase in net wealth over original investment holdings

Our clients

Keith and Bernadette were referred to us by their financial adviser approximately 10 years ago. They were experienced investors who owned a significant share portfolio and two investment properties that they were
paying off.

They wanted to expand their property portfolio but had limited surplus cash flow to do it. They asked us to review the tax-effectiveness of their financial arrangements, and advise them whether they had the capacity to increase their property holdings.

The problems before we got involved

  • Whilst Keith and Bernadette owned a modest investment portfolio, their ineffective tax structure had limited their capacity to build additional family wealth
  • They were making significant principal repayments on their investment loans, which was effectively increasing their tax liability and providing zero return on principal
  • They had significant equity but no surplus cash flow to comfortably fund additional investment properties
  • They felt that their existing financial adviser lacked the expertise to take their family wealth to the next level, and required additional expertise to work their assets harder and smarter

How Tax Effective helped Keith and Bernadette

  • We conducted a financial health diagnostic to clearly understand what they wanted to achieve from a lifestyle and financial point of view, as well as what financial assets and resources they had to work with
  • We considered multiple scenarios and customised a financial roadmap, detailing - step by step - tax strategies and investment options available and required to reach their goals
  • We restructured their investment loans so that they can increase their tax benefits and surplus cash flow
  • We created a tax-free funding facility to provide additional cash flow to increase investment potential and to provide emergency funds that can be used to continue to fund their wealth creation and lifestyle regardless of what life throws at them
  • We gave Keith and Bernadette the confidence they required to safely purchase and fund additional investment properties over time

The results

Since adopting our recommendations, Keith and Bernadette have achieved the following:

  • We helped Keith and Bernadette successfully triple their property portfolio over the last 10 years
  • As a result of their financial roadmap, they have achieved a total of $107,103 in tax refunds and savings
  • Over the past 10 years, Keith and Bernadette have purchased an additional 4 investment properties and accumulated in excess of $2,780,567 in net wealth, over and above their original investments
  • They have a $6,223,740 property portfolio which is entirely self-funding and enjoying the benefits of compounding growth, which should provide a significantly greater pay-off over time

Post becoming clients

We meet with Keith and Bernadette at least twice a year to monitor their progress towards their financial goals, as well as to identify additional tax and investment opportunities that may be available to them.

Tax Effective Private

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A multidisciplinary team of experts working together to develop a unified tax, financial and investment plan, uniquely suited to you. You'll be amazed at the Private Client difference.

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