Family Wealth Briefing
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Family Wealth Briefing
Patrick & Tina · prepared 1 November 2026 from the 30 October 2026 valuation · built to answer three questions: what you can live on, what the estate is worth when it passes — assumed at Patrick's 85, in 2063 — and what William and Charlotte each hold at that point.
Every figure is in today’s dollars
All future values are discounted back to September 2026 purchasing power at 2.5 per cent a year. A table that shows $16m in 2063 means $16m of today’s buying power; the nominal figure written in 2063 would be about 2.5 times larger.
Where you start today
| Item | Value | Note |
|---|---|---|
| Dutchies SMSF | $983,537 | The portfolio, valued at the latest marks (30 October 2026) |
| MilitarySuper (MSBS) | $450,000 | Today's super-equivalent proxy of the deferred benefit (statement value $382,421) |
| Fiorum family trust | $0 | Start-up equity, held at nil until realised |
| Family home | $5,500,000 | Sydney |
| HIQ earn-out | $2,000,000 | Incoming and tax free |
| House loan | −$500,000 | Assumed repaid from salary before retirement (salary savings otherwise excluded) |
| Net wealth today | $8,433,537 |
A $1,500,000 line of credit is also available and is modelled as drawn and carefully invested. Because it is matched by debt, it contributes its return net of borrowing costs rather than adding $1.5m to the balance sheet.
Scenario assumptions
| Assumption (a year) | Low | Base | High |
|---|---|---|---|
| SMSF return to retirement (nominal, net of fees) | 5.5% | 7.0% | 8.5% |
| HIQ earn-out, invested (nominal) | 5.0% | 6.0% | 7.0% |
| Line of credit — return net of interest | 5.0% | 6.5% | 7.5% |
| House growth to retirement (nominal) | 3.0% | 4.0% | 5.0% |
| MilitarySuper at 60 (super-equivalent, nominal) | $830k | $920k | $1,090k |
| Investment return in retirement (real) | 3.0% | 4.0% | 5.0% |
| Growth of all homes, in retirement (real) | 0.5% | 1.5% | 2.5% |
| Inflation (CPI) | 2.5% | 2.5% | 2.5% |
The choice — retire at 60 or at 70
Retire at 60 (January 2038). The investable pool starts retirement at $5.4m–$7.3m (base case $6.3m). Retire at 70 (January 2048). The pool starts at $7.5m–$12.7m (base case $9.9m), and the MilitarySuper benefit compounds untouched through the sixties. Either way, the MilitarySuper election must be lodged by around April 2043.
| Annuity guide (a year, today's dollars) | Low | Base | High |
|---|---|---|---|
| Sustainable — 4 per cent rule + pension, retire at 60 | $244k | $281k | $320k |
| Sustainable — 4 per cent rule + pension, retire at 70 | $327k | $424k | $534k |
| Ceiling — pool exactly exhausted at 85, retire at 60 | $339k | $434k | $547k |
| Ceiling — pool exactly exhausted at 85, retire at 70 | $655k | $919k | $1,247k |
What should you live on?
| Investable pool remaining at Patrick's 85 | Low | Base | High |
|---|---|---|---|
| Retire at 60 · $200k a year | $5.1m | $9.7m | $16.5m |
| Retire at 60 · $250k a year | $3.2m | $7.7m | $14.2m |
| Retire at 70 · $200k a year | $8.5m | $14.4m | $22.6m |
| Retire at 70 · $250k a year | $7.5m | $13.4m | $21.5m |
The estate through the decades
Retiring at 60
| Year and ages | $200k Low | $200k Base | $200k High | $250k Low | $250k Base | $250k High |
|---|---|---|---|---|---|---|
| 2038 · Patrick 60 · William 31 · Charlotte 27 | 11.2 | 12.8 | 14.5 | 11.2 | 12.8 | 14.5 |
| 2048 · Patrick 70 · William 41 · Charlotte 37 | 11.4 | 14.8 | 19.0 | 10.8 | 14.2 | 18.4 |
| 2058 · Patrick 80 · William 51 · Charlotte 47 | 11.6 | 17.5 | 25.5 | 10.2 | 16.0 | 23.9 |
| 2063 · Patrick 85 · William 56 · Charlotte 52 | 11.6 | 19.1 | 29.9 | 9.8 | 17.1 | 27.5 |
Retiring at 70
| Year and ages | $200k Low | $200k Base | $200k High | $250k Low | $250k Base | $250k High |
|---|---|---|---|---|---|---|
| 2038 · Patrick 60 · William 31 · Charlotte 27 | 11.2 | 12.8 | 14.5 | 11.2 | 12.8 | 14.5 |
| 2048 · Patrick 70 · William 41 · Charlotte 37 | 13.6 | 17.4 | 21.8 | 13.6 | 17.4 | 21.8 |
| 2058 · Patrick 80 · William 51 · Charlotte 47 | 14.5 | 21.3 | 30.2 | 13.9 | 20.7 | 29.6 |
| 2063 · Patrick 85 · William 56 · Charlotte 52 | 15.0 | 23.8 | 35.9 | 14.1 | 22.8 | 34.8 |
What William and Charlotte each hold at the hand-over (2063)
Each child's position = their home (bought 2036 for $3.0m in today's dollars) + half your estate (pool remaining + family home). All in millions of today's dollars.
| Per child, 2063 | Low | Base | High |
|---|---|---|---|
| Their home by then | 3.4 | 4.4 | 5.7 |
| Retire at 60 · $200k — home + half estate | 9.2 | 14.0 | 20.7 |
| Retire at 60 · $250k — home + half estate | 8.3 | 13.0 | 19.5 |
| Retire at 70 · $200k — home + half estate | 10.9 | 16.3 | 23.7 |
| Retire at 70 · $250k — home + half estate | 10.5 | 15.8 | 23.2 |
Prepared from the 30 October 2026 portfolio valuation and the MilitarySuper brief. This is a deterministic, single-path projection: real returns arrive unevenly, and sequence-of-returns risk sits outside it. The hand-over is simplified — the full estate is assumed to pass at Patrick's 85, with survivor arrangements for Tina, the timing of Tina's mother's estate, gift and stamp-duty treatment of the children's homes, detailed tax (including a possible Division 296 charge on super balances above $3m) and estate structuring all outside the model.
Analysis and modelling for discussion, not personal financial advice.