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Client journeys
We are more than accountants or planners. We are tax specialists, SMSF experts, cross-border specialists and advisers to families and institutions. These journeys show how our team works together.
Case studies
The situation
Two high-income professionals were paying private school fees for three children from after-tax salaries, with no clear structure and a high personal tax bill.
Expertise involved
Tax structuring and trust distribution planning (Everglow Accounting), personal financial advice (Everglow Wealth), family budgeting, cash flow and Centrelink impact modelling, and referral to legal professionals for the trust deed.
Our strategy
Outcome
A long-term plan to help fund school fees from investment income, with a lower overall family tax position. Results depend on investment returns, tax law and the family’s circumstances, which we review each year.
The situation
A pre-retirement couple wanted more predictable income while protecting their savings as far as possible.
Expertise involved
Portfolio design by a CFP® professional (Everglow Wealth), tax agent input on whether to hold assets in a trust or in individual names, fixed-income research through our capital markets network, and cash-flow modelling.
Our strategy
Outcome
A clearer, more predictable income stream, with maturities lined up to planned spending and flexibility retained. Bonds still carry risks — including credit, interest rate and liquidity risk — and income is not guaranteed.
The situation
One spouse was a high-income earner; the other was at home caring for the family.
Expertise involved
Tax agent expertise in franking credit rules, super and SMSF planning for future re-contributions, Centrelink and cash-flow modelling for timing, and personal financial advice on ASX investments (Everglow Wealth).
Our strategy
Outcome
A lower overall family tax bill, with refunds of excess franking credits where eligible, using strategies that sit within the tax rules. The benefit depends on dividend levels, tax rates and future law changes.
The situation
A couple in their late 50s had healthy super balances but no plan for turning them into retirement income.
Expertise involved
Strategy design by an SMSF Specialist Adviser™ Drawdown and investment rules under superannuation law Personal advice on the retirement portfolio (Everglow Wealth) Fund administration and actuarial support from trusted partners
Our strategy
Outcome
A steady income stream to supplement employment income, less reliance on wages, and a clear plan for the move into full retirement. Outcomes depend on market performance and each person’s circumstances.
Every journey starts with a conversation. Book a time and we will look at your situation together.
About these client journeys
These examples are based on the kinds of situations we help clients with. Details have been generalised to protect client privacy. Every client’s circumstances are different, and the outcomes described are not a guarantee or a prediction of future results. Investments carry risk, including the possible loss of capital, and tax and superannuation rules can change.
This page is general information only and does not take into account your objectives, financial situation or needs. Please seek personal advice before acting. Financial advice is provided by Everglow Wealth Pty Ltd, a Corporate Authorised Representative (No. 1254987) of PGW Financial Services Pty Ltd (AFSL 384713). Tax advice is provided by Everglow Accounting Pty Ltd.