Client Stories

Creating strategies for long term cash flow

Having been made redundant in 2015, this client was left wondering how best to manage his cash flow and income stream moving forward. It was at this fork in the road that he decided to reach out to the team at Cardena Private Wealth.

Having held a number of high profile and senior positions across his career, he had a large amount of capital in his super. The dedicated team at Cardena spent time understanding his lifestyle and vision for his family’s future and as a result were able to advise this client to establish a self-managed super fund.

By combining the Super earnings of both him and his wife, this client was then able to establish pensions whilst growing his wealth via informed investment strategies. By adopting an SMSF as opposed to keeping his super in a retail fund, this client was able to manage his pension and control cash flow in a way that effectively replaced his salary.

This strategy also enabled him to diversify his investments, ensuring long term capital growth and allowing for more effective estate planning. 

Cardena continues to work closely with this client to secure sufficient (and tax effective) cashflow to meet their estimated cost of living in support of his family’s dreams for their future.

Testimonials

"When my marriage of 17 years ended I was faced with the prospect of how I was going to survive financially. My husband had always managed the family finances and I was really in no state to pick up the reins and manage my share of the divorce settlement. I was introduced to Iain Reid and the team at Cardena which was just the tonic I needed. Iain took the time to help me cope with my situation first, and then liaised with the lawyers and accountants on my behalf. That was 7 years ago and Iain’s guidance and expert advice continues to provide me with security and peace of mind today and for my retirement days in the future."

Kaye McColl

"Like many professional people I am hopelessly time poor. As an orthopaedic surgeon, my family and patients come first, which means that when it comes to our finances I’d prefer to delegate this to someone we trust. We were initially sceptical of the value a financial adviser could add, but the team at Cardena Private Wealth has allayed our concerns completely. Our finances are now in much better shape with Iain and the team’s guidance, and we are taking proactive steps to ensure that the inevitable retirement days ahead will be as comfortable as possible."

Dr David Wood, Orthopaedic Surgeon

"My wife and I have been clients of Cardena, and in particular Jonathan’s, for 20 years. During this time he and his team have demonstrated all the attributes I look for in a trusted advisor. Consistency, deep expertise and complete integrity. The team provides the best advice possible, guide our decision making process and then implement these strategies moving forward. Their use of proactive reporting means I also feel informed and in control of my financial future albeit in an uncertain world."

Robert Ward FCA AM and Louise Ward

"My leadership role requires extensive and regular international travel and as a result I am not able to spare the time to research my financial investment options. I therefore sought out a company with a solid reputation in the market that could provide advice that I could trust. I have been with Cardena since 2003 and Jonathan and his team have never let me down. I can confidently say my financial position today is much stronger and healthier as a direct result of Cardena’s advice."

Andrew Sotiropoulos, General Manager, Services Product Group & Solutions, IBM Global Technology Services, Asia Pacific

"We have been clients of Cardena since 2002 and have greatly valued the keen personal interest they take in us as people as well as clients. We have also greatly valued their consummate professionalism, integrity, efficiency and insight. They have supported us throughout our transition to retirement, and at every stage have tailored their recommendations to our unique needs. The result is a high-performing self-managed super fund with a spread of investments, guided by investment policies and practices into which we have had significant input and with which we feel particularly comfortable. Jonathan Kilborn, Iain Reid and all the members of their team are worthy of the highest commendation!"

Dr Roderic and Mrs Margaret Kefford