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Stage 04

Starting Over

Resetting plans and empowering the transformation

Starting over after divorce or a loss of a loved one can feel emotionally and financially overwhelming, even paralysing. This stage is about regaining clarity, getting organised, rebuilding confidence, updating important structures and beneficiaries, and creating a new financial plan that supports independence, security and a renewed sense of direction.

Stage 04

Starting Over

Resetting plans and empowering the transformation

Starting over after divorce or a loss of a loved one can feel emotionally and financially overwhelming, even paralysing. This stage is about regaining clarity, getting organised, rebuilding confidence, updating important structures and beneficiaries, and creating a new financial plan that supports independence, security and a renewed sense of direction.

The 7 Stages of Life

The Starting Over journey

Defining priorities

Rethinking what matters, regaining control and exploring new opportunities. The transformation starts with an honest conversation about your new priorities.

Establishing good habits

This stage can get really overwhelming  and lonely. Learning who to trust plays a big role. We make sure your next steps are in your best interest.

Navigating unknown

Learning how to be in charge of important decisions and making them with confidence. Our step by step guidance is designed to help you back on track.

How we can help

Typical scope of work for this stage

We specialise in assisting clients who want to take control of their future and start on the own path to financial freedom. We can help you:

Goals reset and new plan

Reviewing what matters and addressing new priorities to focus on moving forward.

Investment planning

Distribution of financial settlement with new priorities and objectives in mind

Super and retirement planning

Retirement objectives have changed and so will your new strategy to reflect the new goals.

Budget & cash flow management

Setting new priorities, aligning your expenditure with the new circumstances

Debt strategies

Making sense of new responsibilities and right ways to structure and pay off debt effectively

The new plan B

Reviewing the impact of changes in circumstances and beneficiaries

Clients Like You

Real stories, real outcomes.

Each of our clients has a unique story and set of circumstances, but in each story many things will resonate. Find out how we were able to help our clients work towards future goals and dreams.
Accountability & guidance – Chanel Murphy’s story
Ready to back herself

Accountability & guidance – Chanel Murphy’s story

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Dreams & future plans – Janice Fenton’s story
Planning her best years

Dreams & future plans – Janice Fenton’s story

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Your Best Interest – Helen’s story about financial security
Re-designing her life

Your Best Interest – Helen’s story about financial security

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Explore More Client Stories
Your Specialists

Matched to your life stage

When life takes an unexpected turn, having the right person in your corner matters. Our matched planners bring both financial expertise and a steady hand to help you find solid ground again.

Your Specialists

Questions we help you answer

We know how uncertain starting again can feel. Life has changed, your priorities are different, and you’re looking for clarity about what comes next.

We offer valuable conversations and advice designed to help you regain confidence and direction. We work through your new financial reality, explain your options, and help you build a plan that reflects the life you want to create.

A fresh start is an opportunity to make thoughtful decisions with purpose. Understanding your finances gives you the confidence to move forward with optimism.

  • The dust has settled, what do I do now?
  • What should I do with money that’s left?
  • Do I need to rethink my retirement plans?
  • Which legal documents need updating?
  • Do I still have to work full-time or can I move to part-time?
  • Can I or should I borrow money?

Explore more on what we do

Logo - Charter Financial Planning
Logo - ASTRUM Awards - Practice of The Year Finalist
Logo - ASTRUM Awards - Customer Excellence Finalist
Logo - Most Trusted Advisors Award
37 Years Est.|80 Years Experience|5 Most Trusted Advisor|3 Locations

Ready for your path forward

Book a conversation with Bill or Michal — the first step is simpler than you think, and it could change your financial future.

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