Spring financial strategy: Reassess and refocus your financial plan

Nathan Torre
Aug 21
3 min read

A change of season. A chance to reset.

Spring brings momentum.

It’s when many of us declutter, plan holidays, and look ahead to the end of the year. It also marks the end of the first quarter of the financial year - making it a natural point to pause and reassess.

You still have time to make decisions that affect this financial year. But the window is narrowing.

Before the costs of summer and the holidays hit, take this opportunity to realign.

1. Reassess your financial goals

Start with a review.

Are you on track with what you set out to do this financial year?

It’s easy to let goals slip during winter. But small adjustments now can put you in a stronger position by January.

What to do:

Look at your original FY26 goals. Are they still realistic?
Reorder priorities based on changes to income, expenses, or life events.
Set one or two clear targets for the next quarter—don’t overcomplicate it.
If cash flow feels tight, look at what you can delay or simplify.

2. Make your super work for you

Super doesn’t need to be complicated. But it does need attention from time to time.

With investment markets shifting and caps updated in July, now’s the time to check that your fund, strategy, and contributions are aligned.

What to do:

Review your investment mix. Has your risk profile changed?
Check your fees. Are you getting value from your fund?
Consider extra contributions—especially if you’ve had a pay rise or bonus.
If your super balance is under $500,000, ask about carry-forward contributions.

A planner can walk you through your options and ensure your super aligns with your goals. We’ve written about the value of good advice here.

3. Refresh your budget with school fees and summer in mind

From now until January, expenses tend to rise.

There’s end-of-year socialising. Holidays. Kids’ activities. And for many families, term 1 school fees arrive before Christmas.

These costs are predictable. That makes them easier to plan for—if you act now.

What to do:

Forecast your spending from now until the end of January.
Include school fee deposits, gifts, travel, and seasonal bills.
Set limits for categories like food, events, and presents.
Start a savings buffer if you haven’t already.

You can use tools like ASIC’s MoneySmart budget planner, but the most effective step is to sit down and map out the numbers with intent.

4. Review your insurance and estate planning

When life changes, your financial safety net needs to change too.

If you’ve moved house, changed jobs, taken on new debt, or expanded your family—your insurance and estate documents may need updating.

What to do:

Review your life, income protection, and TPD cover.
Check if your premiums are still appropriate for the value offered.
Confirm that your Will, power of attorney, and super nominations are current.

Many people let this part slip. But it’s a key piece of long-term planning and risk management.

5. Use advice to get clarity and make decisions

When you feel overwhelmed by financial decisions, the best next step is to get advice.

Advice helps cut through complexity. It can confirm you’re on track—or highlight areas to improve.

What to do:

Book a spring check-in with your adviser or planner.
Discuss super, investment, debt structure, or estate planning.
Ask for help with goal setting if you’ve lost momentum.

If you’ve ever questioned the value of advice, this article outlines how it can give you a clear plan—and confidence to act.

Use spring as a circuit breaker

There’s still time to get organised before summer takes over.

Review your plan. Make small changes. Get ahead of known costs. And if you’re not sure where to begin, reach out.

Book your spring financial check-in

The team at Aspire2Wealth can help you reset your plan and make confident decisions for the months ahead. Book a call with us.

Sources:

Aspire2 Wealth Advisers Pty Ltd ABN 42 125 897 903 is an authorised representative and credit representative of Charter Financial Planning Limited ABN 35 002 976 294, AFSL and Australian Credit Licence No. 234665.

This website contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.