Life-Stage Financial Planning | Everglow Prosperity
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Everglow Prosperity 璀璨盛世财税事务所 logo
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Life-stage financial planning

Financial guidance for every stage of life

Your priorities change as life changes. Pick the stage that sounds like you to see how we can help.

Lifestage Financial Planning Services Australia | Everglow ProsperityRetiredRetirement and legacy planningSee how we help →Lifestage Financial Planning Services Australia | Everglow ProsperityAges 40 to retirementPlanning for your future and familySee how we help →Lifestage Financial Planning Services Australia | Everglow ProsperityYoung adultsCoaching for young professionalsSee how we help →
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Retired

Retirement and legacy planning

Secure, preserve and pass on your legacy with confidence

For retirees, preserving capital and building a legacy are often top priorities. We help protect your wealth while planning for future generations.

  • Capital preservationA focus on lower-risk, income-generating investments to help protect your savings in retirement.
  • Estate planning and wealth transferFrom setting up trusts to tax-effective wealth transfer, we help prepare and protect your legacy, working alongside your lawyer.
  • Income managementPlanning for sustainable cash flow throughout your retirement years.
  • Personalised legacy buildingStrategies to leave a legacy that reflects your values and your family’s goals.
  • Support for family conversationsWe can facilitate family meetings to discuss your wishes openly, so everyone understands the plan.
Book a time to discuss legacy planning
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Ages 40 to retirement

Planning for your future and family

Financial security for today and tomorrow

Your 40s to retirement are a pivotal time to build and protect wealth, plan across generations and review your goals.

  • Intergenerational wealth transferA structured plan for passing wealth to your children or supporting ageing parents.
  • Mortgage review and refinancingOur credit team reviews your loan options to help you reduce debt and move to a more manageable repayment structure before retirement.
  • Insurance and risk managementLife, TPD and income protection cover to help keep your family secure if the unexpected happens.
  • Retirement planningA retirement strategy that covers savings, investments and expected expenses.
  • Investment and savings growthAdvice to help your assets keep working for you, at a level of risk that suits you.
Book a strategy session
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Young adults

Coaching for young professionals

Building financial confidence for a strong start in life

Starting out can feel overwhelming. We offer practical coaching to help you understand money, set goals and build confidence.

  • Financial literacy coachingPractical skills in budgeting, saving and managing debt that last a lifetime.
  • Goal settingSetting achievable goals and a clear plan to reach them.
  • Debt managementStrategies for HECS-HELP, credit cards and other commitments.
  • Career-based financial adviceMaking the most of your income and getting started with investing.
  • Family connectionsWe can also support your parents or other family members, so your family’s planning fits together.
Start with financial coaching

Keep exploring

Where to next

Investment philosophyThree buckets, matched to when you need the moneyLearn more →Insurance philosophyThe right cover while you are building wealthLearn more →Financial advice feesFree first meeting, then fixed advice feesLearn more →

Free guides

Helpful guides for every life stage

ComparisonMortgage, super or invest?Read →ComparisonSMSF vs industry or retail fundRead →Free PDFEOFY checklist 2026–27Download →

See all guides and checklists →

FAQs

Life-stage planning questions

When should I start financial planning?

The earlier the better, because time does most of the work. Common starting points are a first full-time job, buying a home, starting a family, starting a business, receiving an inheritance and the 10 to 15 years before retirement.

What does a financial plan cover?

Your goals, cash flow, debt, super, investments, insurance, tax and estate planning, and how they fit together. Personal advice is set out in a written Statement of Advice that explains what we recommend and why.

How much do I need to retire?

It depends on the lifestyle you want, when you stop work and what you own. Our free retirement income goal calculator works backwards from the income you want, with every assumption shown.

When can I access my super?

Generally once you reach your preservation age, which is 60 for anyone born after 30 June 1964, and you retire or meet another condition of release. Access before then is only allowed in limited cases.

Can I get advice on just one topic?

Yes. We can give advice on a single area, such as super contributions, insurance or a home loan, when that is all you need.

General information only, not personal advice. Rules change; speak with us about your situation before acting.

Wherever you are in life, we can help you plan

Book a time with our team to talk about your goals and the next steps for your family.

Book a call
Call 1300 913 929

General advice warning: This page is general information only and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you, and read any relevant Product Disclosure Statement, before making a decision. Financial advice is provided by Everglow Wealth Pty Ltd, a Corporate Authorised Representative (No. 1254987) of PGW Financial Services Pty Ltd (AFSL 384713). Credit assistance is provided by Everglow Capital Pty Ltd (ACL 544654).

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