50's-60's
Pre-Retirement Planning
Ensure you’re on track to enjoy your golden years
Make a time to speak with one of our experienced advisers.
Your Journey
You’ve worked hard and are thinking about what comes next. You may be seeking to get the most growth from your savings or assets, or to secure an inheritance for your children. You may even be required to draw down on your wealth to support your own parents in their advancing years, or adjust to changing work conditions.
During this stage of life, making sure your financial affairs including your super are well in hand is critical. The best time to plan for your retirement is while you’re actively growing your wealth. Ensure your retirement planning is on track with Frontier Financial Group.
Key considerations for this life-stage:
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Superannuation
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Growing wealth
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Debt elimination
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Estate and retirement planning
We can help you
Testimonials
Words from our happy clients.
Mark Dewhurst Retired School Principal
David has guided us from having ‘no idea’ about our retirement to feeling we have control of our future.
Bill and Milly Blair Retired Qantas Pilot and part time hospital worker
David’s professionalism and expertise along with his open, friendly personality has been exceptional.
Frontier Financial Group provide excellent service with what we consider a very reasonable fee structure.
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.
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.
The prosperity-building years
At this stage of life, you may be in the peak earnings phase of your career, transitioning between paying off debts and accumulating wealth. This is a critical time for making sure you’re taking the right steps to achieve your ideal future lifestyle.
It can also be a great time for increasing any voluntary super contributions you may already be making, especially as your income increases. It’s a time where people begin to pay off all their debts, mortgage and credit cards and prepare for what they need to do between now and when they retire.
Stage of Life Chart
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Planning your future path
Did you know?
Did you know that the average super balance for those aged 50 to 60 is $237,000?
That may sound like a lot, but 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.
This can be a big gap to bridge. Thankfully, we can help build your wealth using particular wealth creation strategies that include the following:
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Debt reduction
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Deductible contributions from savings
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After-tax contributions
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Consolidating your super
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Super fund comparison (low fees, high returns)
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Investment options
Arrange to talk to one of our friendly advisers today, and go further on your journey with Frontier Financial Group.
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