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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.
Re-designing her life

Your Best Interest – Helen’s story about financial security

Bill Bracey featured on the Your Best Interests TV show with Helen – see how professional Financial Planning helped her and her family achieve financial security beyond what she thought was ever possible.

 
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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.

 

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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