John & Linda’s legacy: Teaching values through giving and investing.
With excess capital and income, John and Linda were keen to foster investment literacy in their young adult children while building a lasting legacy of charitable giving.
We established a Private Ancillary Fund that allowed strategic tax deductions across financial years, created a long-term philanthropic vehicle, and gave their children hands-on experience with managing investments—blending financial education with impact for generations to come.
The Northhaven legacy: One family, four generations of trust.
Back in the late 1980s, William sought investment advice to secure his daughters’ futures. That single relationship sparked a trusted partnership spanning over 35 years and four generations.
From his daughters and their spouses, to in-laws, grandchildren, and now great-grandchildren, Northhaven has continued to guide the entire family through life’s financial milestones—advising multiple branches of the same family with care, consistency, and deep generational understanding.
Roger & Margie’s win: Enjoying the benefits, minus the tax.
Roger and Margie had built a strong share portfolio over the years, but selling it outright would trigger a significant tax liability—cutting into the lifestyle they’d worked for.
We created a strategy to gradually transfer their shares into super, tax-free. From there, they could draw a tax-free income stream to fund their retirement—maximising their returns and minimising stress.
Sue & Leo’s next chapter: From business builders to full-time adventurers.
In their late 40s, Sue and Leo wanted to retire before 60, but didn’t know how to sell their family business without a hefty tax bill—or how to bridge the income gap before accessing super.
We helped them tap into small business CGT concessions, redirect funds into super, and later, unlock even more through a home downsize strategy. The result? Tax-free income in retirement, freedom to travel, and support for their kids.
Greg & Jo’s surprise retirement: Retiring earlier, with confidence.
Greg and Jo had a home and some super, but were unsure whether it was enough to retire comfortably—or at all. They wanted clarity and peace of mind about their financial future.
We reviewed their assets, optimised their cash flow, and moved their investments into concessionally taxed, liquid assets. With ongoing advice and tailored portfolios, they retired earlier than expected—without compromising their lifestyle or long-term financial security.
Shaun & Jen’s peace of mind: Protecting their home and their future.
With a new baby and both working again, Shaun and Jen faced a tough realisation: if either of them could no longer work, they might have to sell their home and start over.
We conducted thorough insurance needs analyses and set up a tailored mix of life, TPD, trauma, and income protection cover—keeping premiums manageable by using super where possible. Now, they’re protected and prepared for the unexpected.
Jason’s lifeline: Income protection when it was needed most.
When Jason developed degenerative arthritis, his ability to work—and provide for his partner and kids—began slipping away. He didn’t know how he’d make ends meet.
We stepped in to confirm his income protection eligibility, prepared all documentation, and submitted the claim on his behalf. His claim was successful, allowing him to support his family without financial stress during a tough time.
George’s portfolio: Smart moves, strong recovery.
George had built a strong portfolio over the years with our guidance. When COVID-19 hit, we knew immediate action was needed to protect his gains.
We quickly moved a large portion of his portfolio to cash, avoiding the worst of a 30% market fall. Once the market settled, we reinvested—and secured a positive return over the year that followed.
Kelly & Liam’s turning point: Taking ownership of their future.
In their late 30s, Kelly and Liam had a solid super balance, but they felt disconnected from its performance and lacked flexibility in its management.
We helped them establish a self-managed super fund and build a tailored share portfolio. Now, they’re actively involved, with the transparency and control they wanted—plus a strategy built for long-term, risk-adjusted growth.
Tim & Rachel’s next step: From uncertain investors to confident wealth builders.
Five years into their mortgage, Tim and Rachel had built equity and cash reserves—but weren’t sure whether to invest in shares or property, or how to do it tax-effectively.
With our guidance, they used their offset cash to reduce their mortgage, then redrew funds to invest in shares. They also accessed equity to purchase an investment property—diversifying their portfolio and boosting tax deductions along the way.
