Retirement Planning for School Leaders – Where to Start? 

“How much do I really need to retire comfortably?” 

 It’s one of the most common questions I hear from principals, and one of the most important. 

After years of working with school leaders, I’ve seen how easy it is to put your own financial planning on hold while you focus on your school, your staff, and your students. But when retirement starts to come into view, it’s worth taking a moment to ask: am I on track? 

Here are three key areas I encourage every principal to consider: 

1. Superannuation Strategy 

Are you making the most of your contributions? Whether it’s salary sacrifice or after-tax contributions, the right strategy can significantly boost your retirement savings, and reduce your tax along the way. 

2. Transition-to-Retirement Options 

 Did you know you can start accessing your super while still working? A transition-to-retirement (TTR) strategy can give you more flexibility and control in your final working years. 

3. Lifestyle Planning 

 Retirement isn’t just about numbers, it’s about lifestyle and living ‘the good life’. I work with principals to define what “comfortable” looks like for them, factoring in travel, hobbies, family time, maybe some further casual work and more. 

If you’re starting to think seriously about retirement, I’d love to help you map out your next steps. I keep things simple, practical, and tailored to your profession. 

As a proud partner of the APF, I’m offering a complimentary financial planning session to help you get started. 

Let’s make sure your next chapter is everything you’ve worked so hard for. 

Book your review today Or contact me directly at Melina@frontierfg.com.au or (03) 9671 4550.