Our Clients

As you go through different stages of life, your financial goals will likely change. What’s right when you start working may change as you start a family. What’s good for you at the peak of your career will likely change when you have retired. McCarthy Financial can help you balance what you need to do today to be ready for the years to come.

We deal with a wide variety of clients from each of the different stages of life outlined below. All of our clients, no matter which stage of life they are in, have their own personal needs and objectives. Therefore, we offer each of them an individual and personalised service to help them on their way to meeting their financial and lifestyle goals.

Click here to find out about our Advice Process and how to become a client.

Young and independent

You are generally single, finished your education, have landed your first job, have started contributing to your first super fund and have only a few financial commitments. Your goals may include: saving to buy your first home; protecting your income; or saving for and planning a wedding.

Young family

You may change jobs to enhance your career, start a family and begin saving for a child’s education. Income typically rises during these years. Your goals may include: buying a house and life insurance; reducing taxes; growing savings; preparing a Will; or starting a new business.


Your expenses may start to go down, and savings can really start to build. If you have children, you may help pay for their education and weddings. You may also help them buy their first home. Your own goals may include: paying off a mortgage and other debt; reducing taxes; growing retirement savings; sending kids to university; or planning for retirement.

Early stage retiree

You may want to work less and your health may still be good enough to support an active lifestyle, perhaps with travel, volunteer work, or continued part-time work. Your goals may include: turning retirement savings into income; managing taxes; managing savings to last; or making changes to your Will and estate.

Later stage retiree

You may become less mobile, and may need to take care of health problems. Your goals may include: optimising taxes; managing savings to last; estate planning; or considering options for assisted living.

Further to being at different stages of life, our clients are from a diverse group of people including, but not limited to:

  • Professionals
  • Small business owners
  • Employees
  • Public servants
  • Tradespeople
  • Doctors
  • Solicitors
  • Same sex couples
  • Singles
  • Families
  • Empty nesters
  • Retirees
  • Grey nomads

Click here to find out what some of our existing clients say about us.