The Early Retirement Blueprint
Your plan to stop working, built in 30 days.
We map everything you own, from your RSUs and super to your home and investment properties. Then we show you exactly when you can retire, and how your assets fund $15K to $25K a month for life.
- Retirement income modelling, year by year
- A clear plan for your RSUs, super, debt and tax
- Built with you in 30 days, then my team puts it in place
Watch first: how the Blueprint works, in my words.
4.8★
from 72 Google reviews
300+
retirement plans delivered
18 yrs
in financial planning
83
LinkedIn recommendations
The problem
Sound familiar?
You’ve done everything right. Big job, big income, shares vesting every quarter. But the money isn’t working as hard as you are.
Your RSUs get taxed up to 47%
Every vest lands on top of your salary. You’re not sure what to sell, or when.
Your home equity is sitting idle
Hundreds of thousands doing nothing, while your mortgage stays non deductible.
You can’t name your retirement date
You earn well. But you don’t know when you could stop, or what it would pay you.
How it works
Four steps to retiring on your terms.
You pay nothing until you’re ready for your Blueprint.
1
Early Retirement Clarity Call
We look at where you are today and what’s possible.
No cost
2
Two strategy sessions
A full review of your RSUs, super, loans and cash flow.
No cost
3
Your Early Retirement Blueprint
Your income target, your timeline and every step to get there.
30 days
4
Implementation
We put the plan to work with you, and keep it on track as life and markets change.
Ongoing
Your first meeting
You walk away with your Financial Road Map.
We build it together, live, in the meeting. Where you are, where you want to be, and exactly how to get there. Here’s a real example, with names and details changed.
Financial Road Map · Sample
Michael, 50 and Shelley, 45
Michael leads a sales team at a US listed tech company. Two kids in private school.
Step 1 · Now
Where you are today
| Michael’s pay | $252K + 100% commission |
| Shelley’s pay | $90K, 3 days a week |
| Family home | $3.5M |
| Mortgage | $800K, $250K in offset |
| Company RSUs | $450K vested, $450K unvested |
| Shares and ETFs | $150K |
| Super | $800K combined |
| Insurance and wills | Default cover, wills 10 years old |
What we found
- High income, high tax
- No investments outside super, no tax deductions
- Too much riding on one company’s stock
Step 2 · Where
Where you want to be
In 3 years
- Mortgage paid down, investments on track
- First investment property
- $40K a year for travel
- Estate plan sorted
In 10 years, when Michael is 60
- Work optional. Consulting or boards, by choice
- Two big trips a year, one local, one overseas
- Help the kids into property
The goal
$20K / month
Retirement income from 60, indexed to inflation, to last a lifetime.
Step 3 · How
The plan, and who does what
- Early Retirement Blueprint and road map
Us - Cash flow system to lock in a monthly surplus
Us - Investment strategy: RSUs, ESPP, a diversified portfolio and an investment property
UsBuyers agent - Debt recycling: swap home loan debt for tax deductible investment debt
Us - Tax plan for every RSU vest, plus equity release and structuring
UsAccountantBroker - Super review: fees, investments and catch up contributions for Shelley
Us - Insurance gap analysis. We look after any claim
Us - Estate plan: wills, powers of attorney, testamentary trust
UsSolicitor - Retirement income modelling: can $20K a month last a lifetime?
Us
One combined strategy. Everything in one place.
Sample only. Names and details changed. Results depend on your circumstances.
Free. You leave with your own road map.
Your Blueprint
What’s inside.
One plan that connects your shares, super, property and tax. Built around the date you want to stop.
RSU sell down plan
When to sell, how much, and how to cut the tax.
Super strategy
The right mix of pre tax and after tax contributions for you and your partner.
Debt recycling
Turn non deductible home debt into tax deductible investment debt.
Tax efficient investing
Where new money goes, and in whose name.
Retirement income forecast
Your monthly income target and the date you can stop.
Legacy and estate
Protect your family and help your kids get ahead.
Case study
From big income to a clear exit plan.
Sales Director, early 50s, at a US listed tech company in Sydney. The commission swung every year, so long term decisions kept getting pushed back.
Where he started
| Base salary | $250K |
| Commission | $250K to $550K |
| Vested shares | $400K |
| Unvested shares | $600K |
| Super | $900K |
| Mortgage | $550K |
The result
$20K
/ month
A clear path to passive income in retirement. He can stop sooner than he thought, with more wealth and less risk. And there’s a plan in place to help his kids into property.
“He told me he feels more in control and far less anxious about his future.”
What we built
- A set plan for every bonus: tax first, then super, mortgage and portfolio.
- A quarterly RSU sell down matched to his vest dates.
- A $1 million investment line of credit against his home equity, invested in a diversified portfolio.
- Super contributions for both partners to even out balances.
- A testamentary trust so assets pass to the kids protected.
- Tax deductible interest on the new investment loan.
If your income is big but lumpy, and your shares and equity are just sitting there, this is probably your starting point too.
Results depend on your circumstances. Shared with permission, details changed for privacy.
What clients say on LinkedIn
Hear from our clients themselves.
The investment
You pay nothing until you’re ready for your Blueprint.
Your Early Retirement Blueprint
$5,500
Only once you’re ready for your Blueprint
| Early Retirement Clarity Call | No cost |
| Two strategy sessions | No cost |
| Blueprint built | In 30 days |
100% Money Back Guarantee
If you’re not 100% happy with the strategy in your Blueprint, you get the full $5,500 back.
The Blueprint is step one. The results come from putting it to work. That’s why most clients continue with us into implementation. Ongoing fees are tailored to your situation and agreed in writing before you start.
Bonuses included
- RSU Exit Accelerator Toolkit
- Partner session: tax structuring audit
- Secure the Kids’ Future planning pack
Is this for you?
Built for senior tech executives.
These are the same questions I ask on your Clarity Call. Being upfront saves us both time.
This is for you if
- You’re 40 or over and work in tech
- Your household income is $400K or more, usually with big commissions or RSUs on top
- You have at least $500K in super
- You have at least $1M of equity in your family home
- You can save at least $4,000 a month above your minimum mortgage repayments
- You want the plan implemented, not just written
This is not for you if
- You’re not in a position to make long term plans
- You want a quick fix or a cookie cutter strategy
- You only want a plan to file away or do yourself
I work with around 150 clients today. I take on 4 new clients a month, and once I reach 200, I close my books.
Questions
Frequently asked questions.
What if I’m not ready to retire yet?
That’s okay. Most of our clients are 5 to 10 years away from retirement. This plan is about clarity: knowing what’s possible and making smarter moves now to reach your goals faster.
What if I don’t understand my RSUs or tax situation well enough?
You don’t need to. That’s exactly why we’re here. We’ll break everything down in plain English and guide you through it step by step.
How do I know this will actually work for me?
You’ll get two full sessions before paying anything. If it doesn’t feel like a fit, you can walk away with zero pressure. We only go ahead once you’re 100% confident.
Why is it $5,500?
This is a personalised strategy that covers tax, RSUs, super, investments and retirement forecasting. One wrong RSU sale could cost that in tax. We help you avoid that and more.
What happens after I get my plan?
You get a clear, step by step roadmap. Then we help you put it to work. Most clients continue with us into implementation, so every step actually gets done and stays on track.
I already have a financial adviser. Why do I need this?
Most advisers are generalists. We specialise in helping tech executives structure RSUs, super and investments for early retirement. This plan complements or enhances what you may already have.
What if I want to keep working but have the option to retire?
Perfect. This plan isn’t about quitting. It’s about creating freedom and leverage. When you know you can walk away, you gain control over your time and choices.
Do I have to continue with ongoing advice?
No. But the Blueprint is built to be implemented, and that’s where the results come from. Before you decide, we’ll show you exactly what implementation looks like and what it costs.
How long has Mike been doing this?
18 years in financial planning, after 9 years in stockbroking. Mike founded Delta Financial Group in 2011.
What makes Mike an expert?
He specialises in helping high income tech executives move into early retirement using RSUs, super, debt strategies and tax planning. He simplifies complex pay and creates long term income certainty.
What has Mike achieved?
300+ personalised retirement plans delivered since 2011. 72 Google reviews and 83 LinkedIn recommendations. Featured in the AFR discussing employee shares and RSUs. Read the article.
Create an income for life
Book your Early Retirement Clarity Call.
15 minutes. No cost, no obligation. Pick a time that suits you.