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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.
A valued relationship – Robert Harris’ story
More than money

A valued relationship – Robert Harris’ 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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Finding certainty – John & Sylvia’s story
Facing it together

Finding certainty – John & Sylvia’s story

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Explore More Client Stories
Your Specialists

Matched to your life stage

Between mortgages, school fees and protecting the people who depend on you, priorities shift fast. The planners matched to this stage help families plan ahead without losing sight of today.

Your Specialists

Questions we help you answer

Life of a family can be demanding. Between careers, children and everyday commitments, finding time to focus on your finances often falls to the bottom of the list.

We strive to bring clarity to the decisions that matter most. We can help you prioritise what deserves your attention now, while keeping your long-term goals firmly in sight.

With the right plan, you can enjoy today without losing sight of tomorrow. Confidence comes from knowing you’re making the right decisions for your family and your future.

  • 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