Clients will come to us that want to retire on a stable and secure income in either 5, 10 or 15 years time. They know they need to do something, but they aren’t sure what? In this case, it is important to balance their current needs and living expenses (kids education, mortgage) with the need to build wealth for their long term objective – retirement or a seachange. Strategies for these clients can range from Investment properties, Self Managed Super Funds, Direct Shares, Gearing or Risk Protection. The appropriate strategy is dependent upon what is right for the client based on what it is they want to achieve.