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Starting Out – 40s & 50s.

Project Description

Starting Out - 40s & 50s

Approaching retirement
Typical issues at this stage of life

Everyone’s different, of course, but here are some of the things our clients often confront in their forties and fifties that have a significant impact on their finances:

  • Income increasing, but so are expenses
  • Being made redundant
  • Suffering a serious illness or injury
  • Paying university or TAFE fees for the kids
  • Paying for weddings
  • Financial assistance for aging relatives
  • Relationship problems, separation, divorce
  • Finally paying off the mortgage
  • Becoming self-employed
  • Receiving an inheritance
  • Kids leaving home
  • Adult kids not leaving home
  • Starting or selling a business
  • Making a sea change


At some time during our forties or early fifties we start to see the world differently. It might be because we’re past the halfway mark. Whatever the reason, at some point retirement appears on the horizon. It’s still a long way off perhaps, but it’s no longer an idea, it’s real. And we also see that we have a limited time to get ourselves into a position where we can retire comfortably. Meanwhile life goes on at a pace that seems to just keep accelerating.

What can we do to help?

We can help you reduce your expenses

  • Tax reduction
  • Budgeting
  • Debt and cash flow management


We can help you increase your income and assets

  • Wealth creation strategies – e.g. accelerating growth by borrowing to invest
  • Investment strategies
  • Salary packaging and remuneration


We can help you maximise your super and get ready to retire in the best shape possible

Super is more attractive than ever. We can help you make the most of it – by helping you select the right super fund and investment options, salary sacrificing into super, maybe even setting up your own self-managed super fund.

In addition, we can save you time by doing the head-work and the leg-work. Your 40s and 50s are an extremely busy time of life. We don’t just advise you what to do, we also do a lot of the leg-work for you. We can also help you streamline your finances so it’s all a lot less work for you, and a lot less time-consuming.

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