Stephen (58), a long-term client, comes to see you. He tells you that he has told his employer he plans to retire. In the discussion that follows about his retirement plans, he tells you that although he is leaving his current employer, he plans to go to work again - and as soon as possible. However, he wanted access to his super to pay down the debt on his home and to buy a new car and wanted to access more than the 10% achievable through a Transition to Retirement (TtR) Strategy.
 

How would you assist Stephen and why? Can you identify any ethical and/or legal issues in this case study?