You are establishing and building your career and perhaps starting a family. You may be looking at:

Buying your first home
Travelling
Paying off your HECS
Getting married
Having children
Family healthcare
Business planning

This is your consolidation stage – achieving a comfortable lifestyle and thinking about managing your long-term future. You’re likely to focus on:

Protecting your lifestyle
Healthcare
Investments
Financing home renovations
Tax management
Debt management
Inheritance
Retirement planning
Long-term care planning
Income protection

With 20 or more years of retirement ahead of you, your priorities will depend on how well you’ve prepared. Your main concerns may be:

Protecting your assets
Debt elimination
Family healthcare
Helping your children
Retirement planning
Wills and trusts
Business exit strategy

This is the time to indulge in hobbies or travel, enjoy your family and prepare for transferring your wealth. You may be thinking of:

Protecting your assets
Healthcare
Aged care planning
Travelling
Buying a caravan
Inheritance tax mitigation
Gifting to family
Preserving your capital
Estate planning