Case Study - David and Sarah's Path to Financial Security Through Cashflow Strategy

Sarah and David Singh, a professional couple in their early 40s, sought a trusted partner to help them navigate property investment and secure a financially stable retirement. With a combined income of $273,000, they aimed to build a property portfolio that generates cash flow and offers flexibility for one property to become their primary residence (PPR). Facing challenges such as non-tax-effective debt, time constraints, and a lack of confidence from past advisory experiences, the Singhs turned to RPW for a tailored, hands-off investment strategy.

Client Overview

• Name: Sarah and David Singh

• Age/s: Early 40’s

• Professions: Full-time employment, combined income of $273,000

• Primary Financial Goals: Build a property portfolio for cash flow in retirement, with flexibility to make one property their primary residence (PPR) in the future.
  

Initial Situation and Challenges
The Singhs owned a primary residence and a property overseas but were burdened by non-tax-effective debt on the overseas property and lacked confidence due to past experiences with advisors. Their demanding jobs left them with little time to engage in the property investment process, prompting them to seek a reliable, hands-off investment partner.

RPW’s Strategic Approach
RPW created a strategic plan tailored to the Singhs’ unique needs, focusing on cash flow optimization, debt structuring, and a phased property acquisition strategy:

1. Debt Restructuring and Cash Flow Management
   RPW prioritised paying off the non-tax-effective overseas debt, freeing up funds for more effective investments. Additionally, they set up offset accounts and advised the Singh's on cash flow strategies to improve on financial efficiency.
   
2. Two-Phased Investment Strategy
   In the first phase, RPW helped the Singh's acquire a cash flow-positive property along the Gold Coast train line with potential to serve as their PPR. The second phase aims to expand the portfolio by releasing equity from this property for further acquisitions, focusing on capital growth in prime locations.
   
3. Proactive Portfolio Management and Risk Mitigation
   Through regular performance reviews and a structured hands-off (for the client) approach, RPW has managed the Singhs’ portfolio, allowing them to focus on their careers while growing their investments.
   

Results and Achievements
RPW’s strategy empowered the Singh's to establish a solid foundation for retirement, with a portfolio that generates cash flow and builds equity. They are now on track to achieve their financial goals with RPW as their trusted partner, benefiting from structured guidance and support that ensures their long-term investment success.

To experience an accountable, strategic approach to property investing. Contact the team today to find out how we can plan and deliver your successful property investment portfolio.

Call 1300 001 215.