In the beginning

In their early 50s, Ron and Judy, both business owners approached CKM Advisers seeking clarity and confidence around their long-term financial future. One partner was a highly successful business owner in the consulting space, while the other had established a growing small business after their children became financially independent. With strong incomes and a substantial asset base already in place, their goal was clear: maximise wealth during their remaining working years and position themselves for an earlier, comfortable retirement without sacrificing lifestyle along the way.

The Challenge

Despite their success, their financial position lacked structure and accountability. They held a self-managed superannuation fund and a complex property portfolio largely focused on capital growth, with limited income-producing assets. Spending was lifestyle-driven rather than planned, and while their net worth was significant, several assets were underperforming and not working cohesively.

The biggest concern wasn’t how much they had accumulated — it was uncertainty. How would these assets generate reliable income once employment income stopped? Could they continue travelling and enjoying life without eroding their wealth? And how resilient would their position be during market volatility?

Applying the CKM process

CKM Advisers stepped in as their personal CFO, conducting a full review of their investment portfolio, business structures, remuneration strategy, and cashflow. Together, we introduced clear goals, spending accountability, and forward-looking planning — without removing the enjoyment from their lifestyle.

Through detailed modelling and scenario analysis, we demonstrated how disciplined management could support both ongoing lifestyle spending and long-term financial security. Adjustments were made to improve income generation, optimise structures, and free up cashflow for further investment. As retirement approached, we supported a gradual wind-down of business interests, planned for major lifestyle expenses such as extended travel, and ensured funding strategies were in place well ahead of time.

The Outcomes

Today, several years into retirement, this couple enjoys a relaxed, travel-rich lifestyle and the confidence that comes from having a well-structured, stress-tested financial plan. They have navigated market volatility with clarity and calm, knowing their strategy was built for both opportunity and resilience.

Their finances are no longer a source of uncertainty, but a tool that supports their lifestyle and long-term security — allowing them to focus on what matters most.

In her own words

“Working with CKM Advisers gave us clarity, confidence, and control. We still enjoy life, travel extensively, and spend freely — but with the comfort of knowing everything is planned and sustainable. Having a trusted adviser act as our personal CFO has been invaluable in helping us truly enjoy retirement.”