Case Studies

Ben and Melissa

High-income earners, looking to put their kids through private schools and need to grow investment portfolio to achieved desired income in retirement.


Ben, 43, and Melissa, 39, own an Inner West home which they live in with their 3 children. They came to us for some guidance as to whether they should upgrade their home, start to build an investment portfolio or both. They were also keen to put their 3 kids through private schooling and we unsure if this would be affordable.

They indicated that ideally two of their kids would be attending private schooling within the next 3 years at annual cost of $35,000 per child per annum. They also mentioned that in an ideal world they would like to purchase a Central Coast holiday home, so they could spend quality time with their kids before they get older and leave the nest.

outcomes from the initial advice

  • Identified their key goals and aspirations and assist the clients prioritise what is really important to them
  • Engaged a mortgage broking partner to ascertain what would be possible from a borrowing perspective
  • Modelled out the clients various investment pathways showing the clients the impact each decision will have on their cash flow and long term wealth
  • Identified and implemented insurance, borrowing (via partner), asset protection and superannuation strategies

it’s never too early to start planning for your financial future.


Featured publications

Whilst Ben and Melissa earn very healthy combined incomes more than $350,000 p.a., achieving all their stated financial objectives without significantly impacting their lifestyle was always going to be a challenge. During the strategy meetings, we modelled various scenarios that included combinations of upgrading the family home, building an investment portfolio, paying for private school fees and purchasing a holiday home. What become evident was that whilst the clients could put themselves in a great financial position regardless of the selected direction, some compromise as not all their objectives could be achieved immediately.

In the end, the clients decided to prioritise putting their kids through private schooling, building an investment portfolio and purchasing a holiday home, whilst staying in their current family home. They felt purchasing the holiday home was more important for their family over upgrading residential home as the quality time with their kids was their biggest priority.

During the advice process we also discussed cash flow management, superannuation (including salary sacrificing), asset protection, borrowing structures, insurance and estate planning strategies. Working with the clients we developed and implemented a suitable approach to these areas that matched their objectives.

Our process

grow your wealth

Start today

Montara Wealth Suite 1, Level 6, 309 George Street, Sydney

© 2018 ABN 72 156 308 208 All rights reserved | Privacy policy | Advisor Profiles: David Hancock | Aidan Kelly