Complex Families Financial Advice

Typically 50+ with Teen/Adult Children & Ageing Parents

Living between two generations is hard. You’re supporting teenage or adult children still finding their independence while also caring for ageing parents — all while trying to protect your retirement plans. Many of our clients at this stage are business owners or senior professionals who juggle demanding careers with family responsibilities. We understand that without clarity, the constant pull in different directions can feel overwhelming. Our services provide a sense of relief, helping you navigate these complex financial responsibilities with confidence.

The challenges you face

Balancing financial support for children (education, first homes, weddings) with your retirement savings.

Navigating the emotional and financial strain of aged care decisions for parents.

Protecting family wealth across multiple generations while staying tax-efficient.

Finding time and headspace to manage all of this without losing control.

How we help

One-Page Life Projections

Use one-page life projections to map out competing priorities side by side.

Develop Wealth Strategies

Our strategies bring a sense of control to managing intergenerational wealth. We develop intergenerational wealth strategies that protect your retirement while still supporting your family, ensuring you can confidently navigate the financial challenges of supporting both your children and your parents.

Trusted Legal and Accounting Partners

Work with trusted legal and accounting partners to coordinate estate planning, aged care, and tax strategies.

Clear financial advice for all generations

Provide clear advice so that every family member feels supported without one generation’s needs overshadowing those of another.

Helping families rebuild

When things go wrong, like a divorce or major sickness, we step in to help families rebuild — making sure clarity and control return, even for those who haven’t been heavily involved in the finances before. When serious illness affects you or your parents, we help restructure finances so care is affordable without jeopardising your own retirement — giving clarity even for family members who’ve been less engaged in money decisions.

Client stories

Helping both children & parents at once

We worked with a senior executive “Simone”, who was funding private school fees for their youngest child while preparing to move their mother into residential aged care. We restructured their SMSF to free up liquidity, modelled their long-term retirement income, and aligned estate documents to support both generations. The result was not just financial security, but also peace of mind that they could manage education costs today while securing their aged care and retirement tomorrow.

Creating independence for children

We supported a business owner couple who wanted to help their adult children buy their first homes while still planning overseas travel in retirement. We developed a lending and gifting strategy that preserved their super, reduced tax on withdrawals, and protected the gifts in the event of future relationship breakdowns. Their kids got the jumpstart they needed — and they stayed on track for their own Signature Goals.