30's-50's
Family Growth & Wealth Creation
Plan for your future, today.
Make a time to speak with one of our experienced advisers.
Your Journey
Building a career especially while raising a young family is an exciting yet challenging endeavour. Many are juggling mortgages and significant expenses, while trying to find opportunities to build financial security.
Make sure you have the right insurance and superannuation plans in place today when planning for your tomorrow, and take purposeful steps towards a truly rewarding future with the experts at Frontier Financial Group.
Key considerations for this life-stage:
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Superannuation
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Insurance
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Wealth creation
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Managing debt
- Tax reduction
We can help you
Testimonials
Words from our happy clients.
Pitsa BinnionSchool Teacher
They have listened and understood my priorities and have put together a comprehensive plan. Financial planning is definitely not my area of strength but together the group has given me a sense of financial security and understanding.
Rosemary Cosentino Founding Principal
Frontier Financial Group really care about their clients with regular reviews and meetings, making investment changes with current trends of the market.
Mark Dewhurst Retired School Principal
David has guided us from having ‘no idea’ about our retirement to feeling we have control of our future.
Helen Zull Retired School Principal
As school principals, we manage large amounts of money but when it came to retirement and the management and investment of our hard-earned funds I was much happier to work with Richard to ensure we had enough funds to support our new lifestyle for many years to come.
Joy and Richard Bennetts Retired Nurse and School Principal
From the time we commenced our relationship with David McLean (backed by the expertise and resources of the Frontier Financial Group) he has listened carefully to all our plans and ideas, provided clear and wise advice and then gone about putting our plans into action in a highly efficient manner.
Barbara and Barry HigginsRetired Business owners
Frontier Financial Groups service to us has been both professional and friendly, making it easy for us to approach them on any subject.
Embarking on your career and family years
It’s never too early to start planning your future journey – but it’s understandably not a priority for many, given the competing demands on your time and finances during the foundational years of your career, from children to friends, leisure and keeping fit. You may already be saving indirectly for retirement, if you’re paying down a mortgage.
Nonetheless, a great place to start at this stage of life includes understanding the importance and rules of minimising tax, salary packaging and insurance – and potentially increasing your superannuation contributions whenever you succeed in securing a pay rise. You might also want to consider investing out of your superannuation.
Stage of Life Chart
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We know the path ahead
Did you know?
Did you know that the average super balance for those aged between 30 to 40 is $65,000? And for those aged between 40 to 50, it’s $145,000.
If you’re a couple looking to retire comfortably on a combined income of $80,000, you’ll need $1.3M to $1.8M in super (depending on whether you are taking the aged pension, or becoming a self-funded retiree). Similarly, single people seeking a comfortable lifestyle of $50,000 a year would need between $800,000 to $1M.
That can be a big gap to bridge. Thankfully, we can help build your wealth using particular wealth creation strategies, that include the following:
- Salary sacrifice
- Deductible contributions from savings
- After-tax contributions
- Consolidating your super
- Super fund comparison (low fees, high returns)
- Minimise tax
Arrange to talk to one of our friendly advisers today, and put your best foot forward with Frontier Financial Group.
Related Services & Specialties
50s-60 Pre-Retirement Planning
Advice for Education Professionals
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Frontier Financial Planning
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