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…
You hold one of the most important professions in the country–helping to shape our next generation. But while you’re watching over your students, who’s looking out for your finances?
A boutique Melbourne financial planning firm, ActOn Wealth is highly experienced in developing wealth-growing strategies for teaching salaries. Our financial advisors in Melbourne are passionate about safeguarding your financial security now and into your comfortable retirement.
Shape your financial future with the same commitment you invest in your students. Contact us today for a no-cost, no-obligation meeting at a time that works outside the classroom.
Financial Pressures You Face Away From School
Our financial advisors understand the obstacles your profession, in particular, faces.
Public sector teaching salaries can plateau at senior levels, limiting income growth potential unless you transition into administration or other roles.
Working as a relief or part-time teacher or taking extended leave for family commitments can significantly impact your superannuation balance. These career patterns often result in reduced contributions, potentially leaving your retirement savings lower than they could be.
Whether you teach in a city or regional area, you face housing affordability and availability issues. Renting doesn’t always offer the stability you might be after, and buying can feel entirely out of reach.
The homeownership journey brings challenges and opportunities at every stage. No matter where you are in the process, the right financial advice can have a potentially life-changing effect.
You can’t teach English without first learning grammar, and you can’t teach trigonometry without grasping basic mathematics. Equally, you can’t master your finances until you get a handle on the fundamentals.
That’s where solid cashflow and budget, the building blocks of any sound financial plan, come into play. We start with the basics, often revealing potentially life-changing habits you can implement without feeling any pinch. This area of finance can be hugely rewarding for clients, as they see quickly and easily how some fundamental, painless changes can have a profound difference reasonably early on.
Our financial advisers are also fully qualified mortgage brokers. This means that, in addition to providing strategic property advice, we can also investigate the most strategic home loans for your situation now and well into the future. It’s never just about finding the best deal for now.
Whatever your housing and lifestyle goals, our experts are ready to run the modelling and guide you toward achieving them
Superannuation is the number-one nest egg to fund retirement and pad out the pension for most Australians. It deserves expert attention to deliver the very best returns. Our super financial planners meticulously examine fund performance, fees, and features to ensure they align with your retirement goals. Our financial planning firm is not aligned or backed by any third parties or institutions, allowing us to recommend the best superannuation for teachers based purely on merit and personal circumstances.
Most Australians have some kind of debt, whether it's a mortgage, a credit card in the red, a personal loan, or something else. Reducing debt can help fast-track savings and wealth-management strategies and provide enormous personal relief and peace of mind. Our financial advisors explore all avenues to manage spiralling interest costs so you can build wealth, not drain it.
Investment diversification is essential for most Australians, not least of all teachers. Without a robust wealth creation strategy, savings could be vulnerable to inflation, geographic risk, market fluctuations, potential changes in government pension policy, and more. A well-diversified portfolio across asset classes, sectors, and locations creates a safety net beyond the education sector's limited benefits.
Start Looking Forward to a Financially Secure Future
You can rely on ActOn Wealth financial advisers for:
Your contribution to society is invaluable - let us help establish the financial security you deserve.
Take the First Step Towards Controlling Your Wealth and Future
The teaching sector is unique, as are your finances. Our experienced financial advisers work with you to develop a bespoke, achievable plan for ongoing wealth creation. Find out how, with a no-cost, no-obligation initial meeting.
While you shape Australia's next generation, let us help secure your financial future.
Yes, we have helped several clients retire in their 50s. We will determine your current financial situation and build various models to help you achieve early retirement. The strategy will undoubtedly include increasing your superannuation contributions (taxed at a concessional rate of 15%), diversifying investments, prioritising debt reduction, and other factors. These factors will all form part of an ActOn Wealth strategic plan.
Yes, it is possible to retire comfortably in Australia on a teacher’s pension. You will want to retire on an annual income that is anywhere from half to 70% of your income earning capacity at the time of retirement. ActOn Wealth financial advisers can help you achieve this by addressing several factors, including cashflow and budget management, superannuation, investment diversification, property advice, etc. Every retirement is personal and requires a unique financial plan.
ActOn Wealth’s professional fees are tiered according to your financial situation. Our financial advisors understand the obstacles your profession faces, in particular income progession constraints. Public sector teaching salaries can plateau at senior levels, limiting income growth potential unless you transition into administration or other roles.
We will work with and around these challenges to devise a reasonable and affordable fee structure.
Most teachers have insurance as part of their teaching super fund. However, the cover may not be sufficient. We recommend ActOn Wealth reviews your cover in line with your needs.
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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.
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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.
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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.