Pre-retirement liquidity ladder
Coordinating three years of living expenses without derailing growth allocation before retirement.
Read case studyClient case studies
Illustrative engagements outlining the challenge, our approach, and outcomes. Identifying details are removed; scenarios are not indicative of future performance.
Challenge
What constraint or behaviour made the mandate hard to execute.
Approach
IPS changes, controls, and sequencing we documented with the client.
Outcome
What improved in process terms—not a performance promise.
Concentrated equity reduction
Staged divestment of employer shares with tax-aware bands and IPS compliance.
Read case study
Income floor for retirees
Separating essential spending from discretionary growth under rising rate volatility.
Read case study
Cross-border reporting pack
Unified AUD reporting for assets held in multiple jurisdictions and currencies.
Read case study
Risk budget reset after drawdown
Re-anchoring volatility targets after a sharp equity decline without panic selling.
Read case study
Operating cash reserve policy
Defining tiered cash for family trust distributions and business working capital.
Read case studyHow to read our case studies
Professional context for the six scenarios above.
Are these real clients?
Scenarios are illustrative and anonymised. They show process, controls, and documentation outcomes—not verified performance or guaranteed replication.
Why include numeric results such as concentration percentages?
Numbers demonstrate how IPS limits and staging plans are tracked over time. Your mandate would use limits you approve, not these examples.
Can you replicate a case for my situation?
Only after know-your-client work and a written engagement. Submit a proposal request describing entity type, horizon, and liquidity needs.
Do case studies include tax or legal advice?
Where tax or trust issues appear, the cases note coordination with external professionals. We quantify portfolio impact; tax and legal conclusions belong to those advisers.
Illustrative comment aligned with the liquidity case theme—not a verified testimonial.
“The liquidity ladder case mirrored IPS language within a month—especially the separation of essential spending from growth sleeves.”Illustrative · pre-retirement planning scenario