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Stage 03

Families

Having guidance navigating the busiest part of your life

Life is a constant balancing act – raising and educating children, managing mortgage commitments, protecting what matters the most, building long term wealth effectively. We understand the challenge of creating financial security today while still working towards flexibility, choices and possibility of retiring earlier tomorrow.

Stage 03

Families

Having guidance navigating the busiest part of your life

Life is a constant balancing act – raising and educating children, managing mortgage commitments, protecting what matters the most, building long term wealth effectively. We understand the challenge of creating financial security today while still working towards flexibility, choices and possibility of retiring earlier tomorrow.

The 7 Stages of Life

The Families journey

Defining priorities

Finding the right balance between helping kids with options for their future, reducing the home loan, building family wealth and creating memories along the way.

Establishing good habits

Complex lives need simple solutions that make sense. We guide families navigate this busy life stage by planning and constantly reviewing their progress.

Navigating unknown

The most important part of every plan is to have a plan for when the original plan doesn’t go to plan. We help you protect what you most value.

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:

Budget & cash flow management

Creating awareness around your spending habits helps with elimination of waste and alignment with what you actually care about.

Investment planning

Planning your next investment opportunity, understanding the pros and cons of each option and implementing the steps.

Family protection

Identify and protect against risks that could derail your progress before you’ve had a chance to build.

Debt reduction strategies

Take a holistic approach to debt structuring so it aligns with your wealth plans and you are positioned well in the later stage of life.

Tax minimisation

Understand the options for tax effective strategies and maximise your income position.

Maximise super

Understand the strategies, make right investment decisions and utilise the super environment to grow your wealth.

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.
Explore More Client Stories
Your Specialists

Matched to your life stage

Each stage below has a dedicated specialist planner and a deeper page with tailored strategies, client stories and a matched adviser. Click any stage to explore.
Your Specialists

Questions we help you answer

We deliver comprehensive advice that compares different options to help you make the best decision for your future. With consideration given to what truly matters at this stage of life.

Getting the foundations right now makes everything that follows simpler, cheaper and more rewarding. Partnering with an expert provides the confidence to act – and investing in your financial literacy is your best investment yet.

  • Should we start looking at ways to invest for our kids future?
  • Is our super optimised for growth while we raise kids?
  • Should we use existing equity to invest?
  • How much can we borrow and should we borrow more money?
  • What insurance do we need to make sure our family is safe?
  • When is the right time to start planning for retirement?

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 Gary or Steve — the first step is simpler than you think, and it could change your financial future.

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Meet Our Planners