Confidently in Control
Published 4 July 2025
It’s no secret that women face unique financial challenges throughout their lives, whether it’s taking time out of the workforce, juggling caregiving responsibilities, or navigating major life changes. But no matter your stage of life, there are simple steps you can take today to improve your financial outcomes for tomorrow.
At Frontier Financial Group, our philosophy is that every woman deserves to feel confident and in control of her finances. Here are six easy ways to start building a more secure financial future:
1. Know where you stand
Start by understanding your financial position. That means knowing how much you earn, what you spend, and what you own (your assets) versus what you owe (your liabilities). With this clarity, you can set realistic goals and make informed financial decisions.
2. Supercharge your super
Women tend to retire with less superannuation than men, but it doesn’t have to be that way. Making even small extra contributions to your super early on can have a big impact over time, thanks to compound interest. Salary sacrifice, government co-contributions, or personal contributions can all help boost your balance.
3. Protect what matters
If others rely on your income, whether it’s children or ageing parents, insurance can be an important safety net. Life insurance, total and permanent disability (TPD), and income protection cover can ensure your family is looked after if the unexpected happens.
4. Make your money work harder
Consider how your money is invested, including within your super. Are you in the right investment option for your life stage and goals? Many women are naturally more conservative with their money, but being too cautious can limit your growth potential, especially if you’ve taken time out of the workforce.
5. Talk about money
Open conversations about money—whether with a partner, family member, or financial adviser—can improve your financial literacy and confidence. The more comfortable you become with talking about money, the more empowered you’ll be to take control.
6. Get expert support
You don’t need to navigate it all alone. Working with a financial adviser can help you clarify your goals, build a realistic plan, and stay on track. At Frontier Financial, we take the time to understand your life and what matters most to you, so your financial plan truly reflects your values and aspirations.
A final thought from the Frontier Financial Team:
Your financial future is yours to shape, and every decision you make today can help you build the life you deserve. With the right knowledge, support and planning, you can feel confident, secure, and in control of your money. Let’s work together to create a plan that gives you financial freedom, on your terms.
