Financial Planning & Investing in Your 30’s
How One Young Couple Got Ahead Finance in your 30s – one couple’s common scenario In their early 30s, Melbourne…
Despite building your athletic career on years of dedication and hard work, the window for peak earnings does not stay open for long. ActOn Wealth’s financial advisors in Melbourne understand that converting exceptional sporting achievement into lasting financial security and prosperity requires strategic planning and expert guidance.
Professional athletes face unique financial challenges and opportunities. From managing variable income streams and sudden wealth to preparing for life beyond competition, our financial planners develop tailored strategies to protect and grow your wealth during your sporting career and beyond.
You’ve always focussed on success—aim for nothing less with your finances. Speak to us today about a no-cost, no-obligation initial meeting.
We Understand the Obstacles Your Profession Faces
Every career sector faces specific challenges, but you’re in a particularly challenging field.
Foreign Income and Tax Obligations
If you’re sporting profession has taken you overseas, you’re likely earning in a foreign currency and possibly have cross-border tax obligations,
Income Irregularity
You could have different income-earning streams that generate irregular revenue. It can often feel like feast or famine.
Peaking Early
Your prime earning capacity through competitive sport is likely when you’re still relatively young. You either have to make plenty of hay while the sun shines, or redefine yourself and create a second phase for your career.
Vulnerable to Illness or Injury
A physical accident or illness could end your career. Risk protection is paramount for your personal and professional well-being.
Understanding and managing your cashflow and budget is advantageous for any professional. However, it becomes crucial when dealing with irregular income streams and payment timelines. Our experienced financial advisers can introduce you to easy-to-adopt savings techniques and practices that can be game-changing.
Your peak earning capacity as a professional athlete is limited. It is therefore crucial to ensure your earnings can sustain you now and well into the future. Our financial advisers can help you achieve this through careful and considered wealth creation.
Injury or illness can disrupt any career, but for athletes, it can spell the end of a lifetime of dedication. Your optimal physical well-being is your greatest asset, so it demands sophisticated insurance protection. As a professional athlete, it may be difficult to obtain cover. However, ActOn Wealth has access to a range of providers and will conduct fastidious research to find the most appropriate options.
A financial windfall (such as a competition win or sponsorship contract) is a blessing that can quickly become a burden when incorrectly managed. Understanding how this affects your tax obligations and working through various financial models will help you determine how to best distribute and invest any such revenue.
Multiple revenue sources (endorsements, competition wins, appearance fees, sponsorship contracts, licensing deals, etc) and foreign income have different tax considerations that require bespoke management strategies. Our tax accountant specialists can manage your complex situation and provide tailored advice.
What are your plans when you’ve run your last race, kicked your last goal or swam your final competitive lap? Whether you want to turn to media opportunities, start a small business, manage your investments, return to education, sail around the world or disappear into early retirement is entirely up to you. Whatever the goal, your ActOn Wealth financial advisor for athletes can steer you on the path to success.
Podium Performances in Finance
ActOn Wealth’s financial advisors understand your profession's distinct complications and challenges. Our Melbourne-based boutique financial planning firm operates free from institutional ties, meaning your interests are our only priority. Most importantly, we reject a one-size-fits-all financial strategy. You deserve financial advice that is every bit as driven, dedicated and determined as you.
We pursue financial excellence with the same integrity and intensity that you bring to your sport.
Push the Boundaries of Your Career’s Financial Capacity
You’ve sacrificed a lot to follow your talent and passion. Make it worth your financial while—contact our financial advisers for a no-cost, no-obligation initial meeting.
Go for gold—contact us today about financial planning for athletes.
Yes, sports wealth management is highly advantageous. The complexity and high stakes of professional sports careers typically call for specialised expertise. The right financial advisor can help turn your athletic success into long-lasting financial security.
The right financial planner should demonstrate technical expertise and an understanding of an athlete's specific lifestyle demands and complexities. They should be as committed to your financial success as you are to your sporting profession. Rest assured, you will find this and more with ActOn Wealth.
No, ActOn Wealth provides specialist advice to anyone working in the professional sporting arena. Our services extend to all Australians looking to grow their wealth and protect their finances.
Quick Links
About Us
Wealth Hub
FSG’s
Knowledge Centre
FAQs
Credit Guides
Privacy Policy
Dispute Resolution Policy and Procedure
Testimonials
News and Resources
Industries
Contact us
36 if 1 not applicable (Q 5, 8, 9)
34 if 2 not applicable (Q 5, 8, 9)
32 if 3 not applicable (Q 5, 8, 9)
26-38 if all questions answered
24-36 if 1 not applicable
23-34 if 2 not applicable
21-32 if 3 not applicable
You’ve clearly made solid progress in building a strong financial foundation. You’re either actively investing, managing your debt, or planning for the future with a great level of intention.
Still, there’s always room for refinement — whether that’s maximising tax efficiency, reviewing your investment strategy, or preparing for big life events like retirement, children’s education or legacy planning.
13-25.5 if all questions answered
12-23.5 if 1 not applicable
11-22.5 if 2 not applicable
10-20.5 if 3 not applicable
You’ve already laid some important groundwork — maybe you’ve started investing, built up super, or set financial goals. That’s fantastic progress.
With a few adjustments, clearer strategies, and some expert support, you could move from financial confidence to real financial empowerment.
0-12.5 if all questions answered
0-11.5 if 1 not applicable
0-10.5 if 2 not applicable
0-9.5 if 3 not applicable
You’re not alone — many Australians feel unsure about where to start. If you’re feeling disorganised, unsure, or worried about the future, now’s the time to take control.
Working with a financial adviser isn’t just for the wealthy — it’s for anyone who wants clarity, confidence, and a roadmap forward.
No matter your score, ActOn Wealth can support you with clear, strategic advice to help you take control of your financial future. Whether it’s optimising your super, reducing tax, planning for retirement or aligning investments with your values – we’re here to help.