Mike Sikar的动态

#Salesforce ?????????? ???????????????? ???????????? ???????? ???????????? Retire in 10 years with a retirement income of $150k per year?? Assets: Family home, Super and Tech stocks Employer: #salesforce & recruitment Household Income: $450k plus Company Shares / RSUs Family: Married with 2 kids ???? ???????? ?????????????? ? Independence & decision making ? Work life balance is important ? Keen to consult part time after 60 ? Travel twice per year one local one overseas ? Parents financially OK ? Further study for future board roles ? Keen to do more charity work and learn spanish ? Legacy for kids - would like to help fund a property ?????? ???? ???????????? We helped client understand the importance of diversification and the benefits of the superannuation and pension environments to provide a tax-effective income when they choose to stop working By discussing their objectives in detail and modelling the future outcomes, client had a clearly defined retirement goal and roadmap to get them there Developed a comprehensive financial model of their current situation, further modelling scenarios of different housing expenditure and investment strategies and the impact it would have on their retirement Implemented a cash flow management system to reduce unnecessary spending and direct surplus cash flow towards retirement savings We recommended a debt recycling strategy to accelerate the reduction of their debt on their family home whilst unlocking equity for further investments and tax deductions Diversified their investment portfolio by reducing their exposure to shares in their employers company and investing in a portfolio aligned with their attitude to risk Liaised with their accountant to determine their tax position with regards to the vested shares and set up a family trust to reinvest the share proceeds in a better structure Maximised their pre and post-tax super contributions to improve their tax-efficiency and increase their retirement savings We analysed their situation, determined their risk needs and recommended a personal protection plan that would best suit their unique preferences We also referred them to an estate planning specialist to get a testamentary trust in place ?????????????????????? We were looking for a financial adviser and found Mike on LinkedIn as someone that specialises in providing advice for sales guys working in tech. We were paying massive tax bills with the vesting on my tech shares so we engaged Mike to put into place the best strategies to minimise our tax and provide financial security for our family. Delta gives a very personal tailored service and working with Mike and the team has been a seamless process. We feel a lot more confident about what the future holds. The Delta team is responsive, knowledgeable, market-driven and trusted. ?? If you found this helpful, consider reposting ?? and follow me Mike Sikar for more valuable content.