You are considering the move early
There is no immediate pressure to leave, but you want to explore the next stage while you remain active, independent and fully in control of the decision.
Private client advisory
Independent advisory for affluent downsizer and rightsizer transitions.
Encore helps private clients understand the complete transition before property decisions, financial commitments and transaction activity begin.
Through the Strategy Intensive™, you receive a tailored written plan and strategy for your transition—not another property recommendation.
Arrange a confidential conversation01 / The transition
This is rarely one property decision.
For many clients, this is one of the largest and most important decisions of their lives.
Beneath the practical questions often sits a very real fear of getting this wrong—selling too early or too late, buying the wrong property, committing too much capital, compromising future security or making decisions that are difficult to reverse.
Working with Encore gives clients greater clarity and confidence to move forward, knowing the available scenarios have been explored, assumptions have been tested, risks and trade-offs have been discussed at length, and the people involved understand the direction.
What may have felt overwhelming or difficult to hold in your mind is converted into a tailored written plan and strategy—a clear record of what has been considered, what has been decided and what needs to happen next.
01The property decision
02The wider financial position
03The next stage of life
04The pathway forward
02 / When clients engage Encore
Different circumstances. One significant transition.
Clients do not need to have decided to move before speaking with Encore. These are some of the situations in which independent advice can be most valuable.
Considering the future
You are uncertain what the next stage should look like
You know circumstances will change, but where you should live, how you want to live and what should happen first remain unclear.
Retirement has changed the conversation
Retirement—or the approach to it—has prompted questions about whether the family home, financial structure and current lifestyle remain appropriate for the years ahead.
Leaving the family home
The family home no longer fits
The property still holds enormous meaning, but its scale, upkeep or unused space no longer reflects the way you live day to day.
You are not emotionally ready to leave the family home
You may understand the practical reasons for moving, but that does not mean you feel emotionally ready to leave. The home may represent decades of family life, memories, identity and achievement.
Health or accessibility needs are changing
Stairs, maintenance or emerging health considerations are raising questions about whether the current home will remain suitable in the years ahead.
Funding and protecting the next stage
You are uncertain how the next stage will be funded
You may hold substantial wealth in the family home but remain uncertain about future income, retirement spending, travel, healthcare, supporting family and maintaining financial independence.
You want to protect what you have built
Before releasing or reallocating significant wealth, you want to preserve flexibility and ensure decisions made today do not compromise your security later.
Family wealth and estate planning are entering the conversation
The transition may raise questions about inheritance, support for children, fairness between family members, protecting a surviving spouse and whether existing estate-planning arrangements remain appropriate.
Family and changing circumstances
The family sees the decision differently
Partners or adult children may have different views about the home, the use of family wealth, the timing of a move or what should happen next.
A spouse can no longer share the decision
Illness or the loss of a partner has shifted significant responsibility to one person at a time when the choices can feel especially complex and overwhelming.
Family and grandchildren are elsewhere
Moving closer to family may be under consideration, but the effect on independence, community, property choice and future flexibility requires careful thought.
There is plenty of advice—but no single direction
Agents, bankers, accountants, financial advisers and solicitors may each be involved, yet no one is responsible for bringing the transition together as one coherent plan.
03 / The Strategy Intensive™
Make the decision before making the move.
A private, structured three-to-four-hour advisory engagement, followed by a tailored written plan and strategy for your transition.
Many established homeowners enter the market without first defining financial comfort, lifestyle direction or the order in which decisions should unfold. Once a home is listed or an offer is made, momentum and external pressure can quickly begin driving the process.
The Strategy Intensive™ slows that process down. It creates the space and structure to examine the complete transition, test the assumptions beneath it and establish clear boundaries before commitment.
Ideally, it takes place before the family home is listed or an offer is made on the next residence.
What we establish
The framework provides discipline. The advisory conversation is shaped entirely around your circumstances, capital position and intentions for the next stage of life.
Financial position & comfort levels
We examine your financial position today and how it may need to support the years ahead. This includes likely sale outcomes, assets and liabilities, future income requirements, retirement spending, retained liquidity, healthcare, travel, family support and the amount you may be comfortable allocating to the next residence. Different scenarios reveal how the property decision could affect future flexibility and financial comfort.
Lifestyle & future direction
We explore what the current home represents, what you may be ready—or not emotionally ready—to leave behind, and how you want the next chapter to work. The decision is considered against the next 15–20 years, including independence, accessibility, family connection, travel, community, changing health needs and the suitability of the next residence over time.
Risk, timing & sequencing
We establish the risk profile surrounding your transition and test how different sale, purchase, funding and timing scenarios could affect your retirement position, retained capital and ultimate financial outcome. The purpose is to identify risks and trade-offs before they become difficult or expensive to reverse, while ensuring matters affecting family wealth, estate planning or legacy are considered with the appropriate specialists.
Property parameters
Once the financial and lifestyle foundations are clear, we define purchase boundaries, retained liquidity, structural priorities, location considerations and long-term suitability for the next residence.
Decision structure & next steps
Encore applies a structured decision architecture—identifying the decisions to be made, the order in which they should be addressed, the information required and the people who need to be involved. The advisory discussion is converted into a clear execution pathway showing what has been resolved, what remains outstanding and the actions required before the transaction proceeds.
Bringing the family into the conversation
Support for a shared understanding.
Where appropriate, adult children can participate in part of the Strategy Intensive™ or the broader advisory process.
This can be helpful when family members want reassurance that Mum and Dad’s future has been carefully considered, when different perspectives need to be understood, or when one surviving parent is carrying the responsibility for significant decisions alone.
Encore remains focused on the client’s wishes and independence while helping the family understand the proposed direction. Adult children are included where the client wants their involvement and where it will support a more considered transition.
What you receive
A tailored plan and strategy—not just a conversation.
Following the Strategy Intensive™, Encore prepares a tailored 10–15 page written plan and strategy. It records the recommended direction, the matters that need to be resolved and the practical steps required to move forward.
- A private three-to-four-hour Strategy Intensive™
- A structured assessment of your proposed transition
- Analysis of the available pathways and trade-offs
- A clear recommended direction
- A tailored 10–15 page written plan and strategy
- A prioritised roadmap of decisions and next steps
- A follow-up conversation to work through the plan
If you already have trusted advisers, Encore works closely with them. We do not replace your financial adviser, accountant, solicitor, estate-planning lawyer, lender or property specialists. Our role is to help ensure their advice is considered together and applied within the context of the complete transition. Where specialist support is not already in place, Encore can help identify the type of professional expertise that may be required.
04 / Encore’s role
Independent of the transaction.
Encore is an advisory-only firm. We do not sell property, act as a buyer’s agent or vendor representative, or replace your legal, tax, financial or property specialists. Our role is to help you understand the complete transition, make informed choices and coordinate the path forward with the appropriate professionals.
05 / How it works
A defined advisory process.
Initial conversation
We establish your circumstances, what has prompted the transition and whether Encore is the appropriate advisory fit.
Preparation
Relevant information is gathered so the advisory session can focus on the decisions that matter.
Strategy Intensive™
We examine the issues, choices and dependencies shaping the transition as one connected decision.
Tailored plan and strategy
You receive a tailored 10–15 page written plan and strategy setting out the recommended direction, matters to resolve and practical next steps.