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Book a FREE consultation
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Get started with a free strategy consultation and receive a copy of the Good Fortune Guide – written by James McFall, Managing Director Yield™ FP and 2020 National Finalist Certified Financial Planner of the Year to help educate you on your Financial Plan.

Upgrading Home, Buying a Holiday House and Substantially Improving Retirement Outcomes

A Yield Client Case Study

Wealth Creation

$2,577,374 Est. value of net financial position at 65.

Property Planning

Able to buy a holiday home three years sooner than expected.


30% more in their superfund at age 65 than on their current trajectory.

Financial Planning 

Meets all stated goals and objectives.


A professional couple in their early 50s sought property planning advice and investment strategies for retirement to improve their financial position. They wanted to either renovate their current home or purchase something of higher value in the next two or three years to eventually purchase a holiday home. They also wanted to create a regular investment strategy with their strong saving capacity.

Illustration of Outcomes

Our review analysed several options and illustrated the possibilities of their ability to purchase a property. We found that simply renovating would put them in a position to buy the holiday house in 5 years, whilst purchasing a bigger property would push this out to 8 years.

  • Our in-depth review illustrated detailed financial projections on the couple’s options and the potential position they could be in now and in their retirement
  • We identified a variety of financial strategies that could substantially improve their position in retirement.
  • These were maximising concessional super contributions, co-contribution, spouse contributions, establishing a regular investment strategy for retirement and debt reduction advice.


Our advice indicated that when the couple is at age 89, they would have around $3.97 million in financial assets if they chose to renovate, and $2.48 million if they upsized. This improvement compared greatly with their original plan to only upsize which would have meant their financial assets would be completely depleted then, meaning they would have to downsize or sell their holiday house. This highlights the benefit of getting their money to work for them early with investment strategies for retirement, rather than holding these funds in cash.

The following graph illustrates the estimated net financial asset drawdown from the youngest client aged 60 to 90, contrasting the long term implications of the choice to renovate vs upsize their residence.

Produced With Our Client’s Permission

Important Note
The content of this case study has been based on a real-life client. Any information provided here is general advice only and does not consider your objectives, financial situation or needs. This information should not be taken as comprehensive and does not constitute legal or financial advice. You should seek legal, financial or other professional advice before relying on any content. Yield Financial Planning is not responsible to you or anyone else for any loss suffered in connection with the use of this information. Information is only current at the date initially published.



What Our Clients Say

We have entrusted our wealth creation and future security with Yield Financial Planning for a number of years now. They truly are professionals who have stayed ahead of the game by making strategic decisions at the right time and have always given sound advice. Security for our future is in great hands. Thanks Yield Financial Planning!!!

Yield Financial Planning have been excellent in their advice and investment strategies being a pleasure to work with over many years. Their strategies and constant portfolio reviews making changes when needed have guided us right through from our working days, the GFC and now retirement. We hold Yield as being an invaluable necessity.

Yield Financial Planning has provided us with professional expert sound advice. It is always a pleasure to deal James and his team who always have our best interests at heart and has set up a sound plan for retirement. James and his team have provided first rate advice and funds management. I have confidence in James’s competence and integrity.

Just the excellent service we receive and doesn’t matter how many questions we have; the staff are happy to oblige. They follow things through and let us think about important and critical matters methodically with a helping hand along the way. So overall the Journey is pleasant, professional and comprehensive yet it is explained to you what could help you or your needs.

I’ve been with Yield for more than 10 years and I’ve found the advice invaluable in helping to navigate life’s twists and turns. Highly recommended 5 Stars!

I would like to congratulate Yield Financial Planning, for their high quality of care, expertise and knowledge they have provided in ensuring my future growth is heading in the right direction. These qualities have reflected both in results and the ongoing follow up as an existing client, which I find reassuring.

Have been with Yield for a few years as my financial planners, and was very pleased when they announced their Mortgage Brokering Services – their Broker had great communication, and at no time was I unsure of where we were in the process. Being my Financial Planner, I was much more comfortable knowing they had my interests at the forefront of all negotiations – rather than getting a mortgage broker off the street who is probably aligned with a bank. From a more financial perspective, Yield saved us over $5000 per year through reduced interest payments alone – I highly recommend looking into Yield Financial

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