Neil and Michelle’s financial position was less than desirable for their retirement, which was fast approaching in just under five years. They had little superannuation, several highly geared properties and a portfolio of shares. Neil and Michelle had, at best, 10 years to continue working to increase their savings. With the benefit of sound advice from a financial adviser, the couple decided to dispose of their geared residential properties. Their financial adviser also recommended investment in growth assets such as high quality Australian shares and listed property trusts. Further, their planner advised them to take advantage of the significant tax benefits offered by the ‘Transition to Retirement’ salary sacrifice strategy which meant that both Neil & Michelle could continue to work but at the same time maximise their respective super savings.  In fact the strategy meant that Michelle could afford to drop back to part time which was a real bonus for the family. Neil and Michelle had three children that they also wanted to make provision for them without compromising their own standard of living. They were advised to put their superannuation assets into a plan which allowed them to retire later, at 70 years, offering them an extra window of 10 years for disciplined investment. The extra time would also ensure their home is fully repaid by the time they permanently retire. Generating an income of $90,000 pa from their pension, Neil and Michelle now live comfortably, having exceeded their original goal for retirement income by over $20,000 pa.