You have toughed it out over the hardest parts. Behind you are the bulk of the mortgage, school and medical expenses. You can now focus on how you want to structure your lifestyle and maximize your efforts in trying to prepare yourself for retirement.

• High outgoing expenses
• Reducing a large debt
• Long term household responsibilities
• Retirement within 10 years
• Voluntary redundancy
• Single parent
• Supporting children
• Suddenly asset rich (Divorce settlement)
• Planning a home purchase
• Planning significant life changes
• Low outgoing expenses
• Health issues

You may have paid off your home or close to it. At this stage of your life, you will be considering your Superannuation situation, and with no mortgage to pay anymore, wealth accumulation especially in super becomes a major focus.

Key strategies to consider

• Maximising Investments
  
• Salary Sacrificing to Super
  
• Risk Insurance