Prepared for Richard McLean
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Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
When your salary stops, groceries, power bills and the things you want to enjoy keep costing money.
That's why retirement planning needs to look beyond a super balance. The useful question is how your super, investments and other resources may support the income your life needs once work stops.
Frontier Financial Group has served Melbourne with financial advice since 1988. Its retirement planning considers your lifestyle, spending needs and the wider financial picture.
If you're starting to think about how life will be funded after work, click the link to request a free initial consultation with Frontier.
The questions about retirement often arrive in separate places.
Your super, investments, debt, cash flow and tax questions may each have their own conversation, while you're still trying to work out what income you'll need when work stops.
Those decisions affect each other. Frontier Financial Group considers the broader picture against the retirement you want, with a team of more than 20 financial professionals supporting the work.
Click the link if you would like to understand how Frontier approaches connected retirement planning.
How much money do you need to retire?
It's a common question, but a lump sum can't tell you what your retirement will cost. Someone who plans to travel often may need a different income from someone who wants a quieter week close to family.
Start with the life. Think about ordinary spending, the things you would like to do more often and the flexibility you want to keep. Then consider how your super, investments, timing and other decisions may support that income.
Frontier Financial Group publishes a retirement-planning pathway for people approaching or living in retirement. Click the link to request a free initial consultation.
What happens when the retirement picture changes?
Maybe your work plans move, you decide to help family, or a housing decision changes what you want the next stage to look like.
The useful response isn't to treat each decision as a separate puzzle. Go back to your goals and circumstances, then consider what the change affects across income, super, investments, debt, tax and lifestyle.
Frontier Financial Group takes a whole-picture approach to financial planning. If your retirement question has changed, click the link to request a free initial consultation.
Lee: When we retire, I would love to spend a few months travelling.
Sam: I would enjoy that too. I just wouldn't want to be away from the family for that long.
Lee: What if we travelled between the things we want to be home for?
Sam: That sounds better. We'd still need to work out what we could spend while we're away and at home.
Lee: Yes, because both versions need to fit the same retirement income.
Narrator: Frontier Financial Group helps people connect their retirement priorities with the wider financial picture. If retirement looks a little different to each of you, click the link to request a free initial consultation.
If work is getting closer to the finish line, the money you've built in super and investments has a different job ahead of it: supporting the life you want after work.
Retirement can start to feel like a balance question. You look at what's in super, add the investments you have outside it and ask whether the total will be enough.
A balance is only one part of the picture. It can't tell you what an ordinary week may cost, how much flexibility you want for travel, whether you plan to help family, or how your plans may change after your last day at work.
The useful question is what your retirement needs to support, and how the different parts of your financial life can work toward that.
Perhaps you're thinking about when to stop working. You might be considering fewer days, a change in your home, a large family decision or the best way to use your super. Retirement may already have started, and you may want to check whether the plan still reflects the life you're living.
Those decisions rarely sit in isolation: income needs can affect which assets you use, while work and super timing can affect cash flow. Debt can change the room you have for other choices. Tax, investments, family protection and later-life needs can all belong in the same conversation.
That's the work a connected retirement plan is meant to do. It starts with the life you want, then maps the financial decisions around it so you can see what needs attention and what can wait.
Frontier Financial Group describes its retirement planning process in those practical terms. The published service asks whether you have enough to retire, how super fits into the plan, how debt affects the picture, when you may retire and how to put the plan into action. It also points to choices around housing, health, helping children, travel and everyday costs.
No plan can promise that every decision will be easy or that markets will behave in a particular way. A connected discussion gives each question a place in the wider picture.
Frontier has been serving Melbourne with financial advice since 1988. The firm publishes more than $430 million in funds under management, more than 800 clients and more than 20 financial professionals. Those company figures describe the scale of the organisation. They don't predict what your personal advice will achieve.
The service covers more than a retirement date. Frontier publishes advice across wealth, superannuation, investments, debt, cash flow, tax, personal insurance and estate-planning considerations. Your objectives, financial situation and needs determine which parts belong in a proposed plan.
Frontier also publishes experience supporting school principals and education professionals. If your working life has involved a complex role and a significant transition, that context can be part of the discussion. It still doesn't replace an assessment of your individual circumstances.
Frontier's first step is a free initial consultation. The official site presents it as a way to book time with Frontier and discuss what you're trying to solve. It isn't a finished financial plan, personal advice or a guarantee of a particular result.
Use the call to explain what's changing, ask how the firm approaches retirement and understand what information would be needed if you decided to explore advice further. Another useful question is how the work would be scoped, who's involved and how ongoing reviews would work.
If you're still working, bring the question you most want answered about the move into retirement. If you've already stopped work, bring the part of the current plan that no longer feels connected to real life. You don't need to arrive with a perfect spreadsheet or a pre-selected strategy.
Useful preparation is a picture of the life you want and the financial decision that's making you pause. A recent super statement, a rough view of spending and a list of major assets or debts may help if they're easy to find. The team can explain which details would be useful next.
A retirement plan should be based on your own objectives, financial situation and needs, then revisited as those things change. A slogan, market prediction or generic balance target can't provide that personal context.
If you want to talk about how your super, investments, income and retirement timing fit together, use the form below this video to request Frontier Financial Group's free initial consultation.
This is general information only. Personal advice depends on your objectives, financial situation and needs.
Thanks for requesting a free initial consultation with Frontier Financial Group.
You may be here because retirement is getting closer, or because a change has raised a question about the plan you've already got.
The call gives you a chance to explain what you're thinking about and ask how Frontier works. It isn't a finished retirement plan or personal advice. If the service may fit your situation, a team member can explain what would happen next. You remain free to decide whether you want to continue.
We'll send you a few short emails with practical things to think about before the call. You'll also find several short videos below. Watch the ones that relate to your question, so the call can spend less time on general information and more time understanding why you reached out.
Have your main retirement question nearby. If they're easy to find, keep broad details about your spending, super and other assets available too. One of the Frontier team members will take it from there on the call.
The first call is a chance to explain why you're looking for retirement advice and ask how Frontier approaches the work.
You can talk about the decision in front of you, the timing you're considering and the parts of your financial picture that feel disconnected. That may include super, investments, debt, cash flow, tax or the lifestyle you want after work.
The call doesn't create a finished retirement plan or personal advice. If Frontier's service may fit your situation, the team can explain the proposed next step and the information that would be needed before any advice is prepared.
Frontier's published retirement material treats the retirement question as wider than investment selection.
The discussion may need to consider your desired lifestyle, spending, work timing, super, investments, debt, cash flow, tax, housing, health and family commitments. Relevant topics depend on your objectives and circumstances.
That doesn't mean one person provides every specialist service. It means the advice conversation starts with the wider picture, so a proposal can explain what's in scope and where other professional input may be relevant.
Frontier doesn't publish a standard ongoing advice fee on its website, so we won't guess what advice would cost in your situation.
The free initial consultation is an entry conversation. If the ongoing service may fit, ask what the proposed work includes, who would be involved, how the advice would be reviewed and when the relevant fees would be explained.
You should understand the scope and the next step before deciding whether to proceed. A clear question about fees is part of assessing whether the advice relationship suits you.
You don't need to prepare a finished financial plan for the initial call.
Bring the retirement question you most want to discuss. If they're easy to find, keep a recent super statement, a rough idea of household spending and a list of your main investments, assets or debts nearby.
The figures can be approximate. They may help you explain where things stand and show which details would be useful if you decide to explore advice. Your goals and the life you want to support are just as useful to discuss as the numbers.
The initial call helps the team understand why you're looking for retirement advice and whether Frontier's service may fit your situation.
If there's a possible fit, a team member can explain the proposed next step, what information would be needed and how the work would be scoped. Personal advice comes later, after your circumstances have been properly considered and you've agreed to the relevant work.
You can ask questions about the service, the people involved and the fees before deciding whether you want to continue.
Bring your main retirement question
Preview: One clear question is enough to start the call.
Send: Immediately after booking
Thanks for requesting a free initial consultation with Frontier Financial Group.
Before the call, write down the retirement question you most want to discuss. It may be about income after work, how your super and investments fit together, or a change you're considering.
You don't need to prepare a finished plan. One clear question gives the team a useful place to begin.
Kind regards,
Frontier Financial Group
What should retirement make room for?
Preview: A normal week gives your financial plan something real to support.
Send: Day 1, morning
Think about an ordinary week after work.
Where would you spend your time? What would you like to do regularly? Which family commitments, hobbies or travel plans should your retirement leave room for?
Write down your priorities. That picture helps turn a broad money question into a practical retirement discussion.
Kind regards,
Frontier Financial Group
Rough figures are enough for the call
Preview: Keep your main super and investment details nearby if they're easy to find.
Send: Day 1, afternoon
If they're easy to find, keep a recent super statement, a rough view of household spending and a list of your main investments, assets or debts nearby.
The figures don't need to be organised into a spreadsheet. They may help you explain where things stand and identify which details would be useful if you decided to explore advice.
Kind regards,
Frontier Financial Group
What could change before you retire?
Preview: Work, family and spending can move before a plan is finished.
Send: Day 2, morning
Retirement plans need to allow for real life.
You may finish work earlier than expected, help a family member, change where you live or revise how much travel you want. Write down one change that would have the biggest effect on your retirement plans.
You don't need to solve it before the call. Naming it helps the team understand what the advice may need to consider.
Kind regards,
Frontier Financial Group
Bring the trust question with you
Preview: Understand the process before deciding whether to continue.
Send: Day 2, afternoon
If past financial advice has felt generic or product-led, bring that concern to the call.
Ask how your objectives and financial position would shape any proposed work, who you would deal with and when the scope and fees would be explained.
You can assess those answers before deciding whether to continue.
Kind regards,
Frontier Financial Group
Ask what ongoing advice would include
Preview: The public website doesn't list a standard ongoing fee.
Send: Day 3, morning
Frontier doesn't publish a standard ongoing advice fee on its website, so the team shouldn't assume what advice would cost in your situation before speaking with you.
The free initial consultation is an entry conversation. If the service may suit you, ask what the proposed work would include, how it would be reviewed and when the relevant fees would be explained.
You should understand the next step before deciding whether to take it.
Kind regards,
Frontier Financial Group
Which retirement decisions belong together?
Preview: Super, debt, tax and lifestyle can be part of one planning conversation.
Send: Day 3, midday
Before the call, list the financial decisions currently competing for your attention.
Include work timing, spending, super, investments, debt, tax, housing and any family commitment that may change the picture. You don't need to know the answer to each one.
The list will help you ask how a retirement plan would connect the decisions instead of treating each one as a separate task.
Kind regards,
Frontier Financial Group
What to expect on your Frontier call
Preview: Discuss your question, the service and whether the fit is right.
Send: The day of the call
Your free initial consultation is a chance to explain why you're looking for retirement advice and ask how Frontier works.
The call doesn't provide a finished plan or commit you to ongoing advice. If Frontier's service may suit your situation, the team can explain what would happen next and what information may be needed.
Have your main question and broad figures nearby. If the time no longer works, use the details in your booking confirmation to contact the team.
Kind regards,
Frontier Financial Group
What does your retirement need to fund?
Preview: Your super and investments need a retirement purpose.
A super balance tells you how much has accumulated. It can't tell you what that money needs to support once work stops.
Start with an ordinary week in retirement. Note where you want to live, how you want to spend your time and which commitments you want room for. Add larger plans, such as travel, home changes or help for family.
Now your financial position has a practical question to answer: how might your super, investments and other resources support that life?
The answer depends on your circumstances. Beginning with the life helps keep the financial decisions connected to what the money is for.
Kind regards,
Frontier Financial Group
One retirement change can affect several others
Preview: Work, spending, super and tax don't move in isolation.
Reducing your workdays changes income now. It may also change when you begin drawing on savings and how long those savings need to support you.
A housing decision can affect spending, available capital and the life you picture after work. Helping family may also change what you want to keep available for yourself.
List the retirement decisions you're considering, then draw a line between the ones that affect each other. The exercise won't provide personal advice, but it can show why separate decisions deserve one retirement direction.
Kind regards,
Frontier Financial Group
Retirement planning is bigger than a portfolio
Preview: Your next stage includes more than investment selection.
Retirement questions often arrive as a portfolio question. You may be asking how it's invested, whether it's performing and whether something should change.
Those questions sit inside a larger picture. Work timing, spending, super, debt, tax, housing, family and the lifestyle you want can all shape what the plan needs to do.
Write down the three non-investment decisions that could change your retirement. They give a future planning conversation a more useful starting point than a portfolio number alone.
Kind regards,
Frontier Financial Group
Do you picture the same retirement?
Preview: Different priorities can still belong in one shared plan.
One person may picture long trips after work. The other may want more time close to family.
Both can want a good retirement while imagining very different weeks. Those differences affect spending, timing and the flexibility a shared plan may need.
Try describing your ideal retirement separately, then compare the two pages. Look for what you agree on, where the pictures differ and which choices need a financial discussion.
The exercise makes both versions visible before the plan is built.
Kind regards,
Frontier Financial Group
What happens in a free initial consultation?
Preview: Ask about the advice before deciding whether to take another step.
An initial consultation gives you a chance to explain why you're looking for retirement advice and ask how the firm works.
Frontier's published entry point is a free initial consultation. It isn't a finished retirement plan or personal advice. If the service may fit your situation, the team can explain the proposed next step before you decide whether to continue.
If you would like to discuss your retirement question, you can request the free initial consultation through Frontier Financial Group.
This is general information only. Personal advice depends on your objectives, financial situation and needs.
Kind regards,
Frontier Financial Group
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