I am a mother of three adult children and have recently stepped away from full-time work. While I am not old enough to access superannuation, my husband and I actively manage our SMSF together, which provides a reliable and growing income stream through his pension. We take a structured approach to investing: our core, long-term LIC holdings are held via CommSec to deliver dependable, fully franked income, while Pearler is used for ETFs and selective higher-risk investments. Profits from these more speculative positions are progressively recycled into high-quality, income producing assets to strengthen long-term cashflow and capital resilience.

Our focus is on disciplined portfolio construction, capital preservation and building sustainable income to support financial independence through changing market cycles.