PWM · Cathy & Alan Smith Financial Plan

End-to-end financial plan for a dual-income Sydney couple — A$670k mortgage, A$45k car loans, A$41k credit-card debt, A$85k combined super, retirement target in 14 years. Built super projections (6.5% compounding to ~A$859k funding ~A$78k p.a. for 20 years), debt-paydown sequence, life and income-protection cover sizing, and asset-allocation recommendation tuned to goals and risk tolerance.