Client Case Study - Dr Shah’s Journey to Financial Freedom with Careful Portfolio Planning

Client Profile

● Name: Dr Shah

● Age: 47

● Profession: Oncology Specialist

● Annual Income: $500,000

● Primary Financial Goal: Achieve a passive income of $10,000 per week over the next 20 years to secure a comfortable retirement without compromising lifestyle.

Initial Situation and Challenges

Dr. Shah, a high-income earner, initially approached Ramsey Property Wealth (RPW) with limited property investment knowledge and complex financial challenges, including a significant $900,000 mortgage on his primary residence. His goal of building substantial passive income required a strategic approach to overcome high debt, limited superannuation, and time constraints due to his demanding medical career. He sought a partner who could offer a clear, tax-efficient pathway to his goals with minimal ongoing involvement from himself.

Our Approach and Strategy

RPW developed a customised, low-risk strategy aligned with Dr. Shah’s

retirement ambitions:

1. Debt Restructuring and Cash Flow Optimisation

RPW began by implementing a debt recycling strategy, converting

non-deductible mortgage debt into tax-effective investment debt. This

restructuring reduced Dr. Shah’s tax liability, increased cash flow, and freed capital for investments, overcoming his initial debt-related limitations.

2. 2-Year Model Portfolio Development

RPW created a 2-year plan focused on acquiring properties with strong

capital growth potential and rental yields. Within the first two years, Dr.

Shah acquired four properties, generating an initial passive income of

$18,367, a significant milestone toward his $10,000 per week goal.

3. Tax Strategies and Long-Term Growth

Using a blend of positive and negative gearing, RPW balanced Dr. Shah’s portfolio to generate steady cash flow while optimising tax efficiency through depreciation. This approach not only improved immediate cash flow but also positioned his portfolio for sustainable, long-term growth.

Results and Achievements

Dr. Shah’s journey exemplifies the success of RPW’s client-centric, comprehensive property investment strategy. His portfolio now generates significant passive income and is on track to achieve his retirement goals, providing financial security and peace of mind through RPW’s accountable, long-term support model.

For holistic, unbiased advisory and delivery in property investing, contact the Ramsey team today on 1300 001 215.