Age 0 to 21 - The Early Years

• School fees planning
• Saving for children's future
• Funding for university
• Cost of raising a family

 Age 22 to 30 - Getting Started/Career/Relationships

• Marriage - wedding costs
• First home
• Starting a family (see above)
• Starting your own business
• Protecting your family

 Age 31 to 55 - Family and Accumulation Years

• Protecting the family
• Moving home
• Saving for retirement
• Accumulating savings
• Your children (see above)

 Age 55 to 65 - Retirement Stage 1

• Early retirement, is it possible?
• More leisure time
• Travel and associated costs
• Living the life you always desired

 Age 66 to 75 - Retirement Stage 2

• Less travel/leisure spending?
• Providing for children/grandchildren
• Health

  Age 76 onwards - Retirement stage 3

• Long term care
• Estate planning
• Putting your affairs in order