Family Financial Planning Castle Hill

Roccaforte provides family financial planning in Castle Hill for real-world household decisions: cash-flow, debt and offsets, insurance, super, investments, aged-care and estate coordination. Our family wealth advice is licensed, conflict-aware, and tailored to the Hills District context—so you can make decisions with clarity, not guesswork. For families who prefer a hands-on partner, we act as your ongoing family wealth manager with structured reviews and measurable outcomes.

Castle Hill’s financial advisor: family wealth management

  • Stabilise cash-flow and structure savings so bills, childcare and mortgages stop competing every fortnight.
  • Personal insurance: Right-size protection (life/TPD/income) and ownership for claims certainty and tax efficiency. See independent guidance on cover types on Moneysmart.
  • Map government supports (Paid Parental Leave, Child Care Subsidy) and how they interact with work patterns and tax.

We deliver family wealth management in Castle Hill and family wealth management Sydney-wide via virtual advice, ensuring consistent process and documentation across locations.

Why choose Roccaforte for family wealth management

  • Licensed, client-first advice. In Australia, personal financial advice must be provided under an AFS licence and is regulated by ASIC/Moneysmart guidance—your protection if things go wrong.
  • Process, not products. We prioritise your household’s goals and risk budget; product selection is downstream of strategy.
  • Intergenerational capability. From first-year baby budgets to modelling aged-care fees and estate “hygiene”, your family wealth advisor keeps all moving parts coordinated. For aged-care, we align to the Government’s means-assessment and fee framework.
  • Local context. Castle Hill cost-of-living, school catchments, commute patterns and mortgage profiles inform realistic plans.
  • Clear fees, documented outcomes. Fixed-fee scopes where possible; written Statement of Advice (SoAs) / Record of Advice (ROA)s; dashboards and review cadences.
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Our family wealth management process

We apply a structured, evidence-led approach to family wealth management in Castle Hill.

  1. Discovery (no-obligation call). Clarify goals, constraints, risks and timelines with a family wealth advisor.
  2. Data & diagnostics. Cash-flow mapping; liabilities; super/investments; insurance ownership/benefit tests; government entitlements snapshot (e.g., Child Care Subsidy and Parental Leave Pay where relevant).
  3. Strategy & modelling. Scenario testing (interest-rate sensitivity, second child timing, one-income periods), debt and offset optimisation, protection right-sizing.
  4. Implementation. Sequenced tasks, provider paperwork, Centrelink interactions, insurer ownership updates, super/investment changes.
  5. Review & stewardship. Your family wealth manager monitors milestones and adjusts settings (income changes, school fees, caring duties). We service Castle Hill in person and provide family wealth management Sydney-wide online.

Who we help

  • New & expecting parents

    Starting a family changes every financial variable at once: income, time, risk. We map the first 12 months: parental-leave cash-flow, emergency buffer, and right-sized protection (life/TPD/income) so one setback doesn’t derail the household. Then we set simple saving rails for pram-to-childcare costs and future goals, so you can focus on the baby, not the bills.

  • Mortgage-heavy growing families

    When childcare, groceries and the mortgage peak together, guesswork is expensive. We stabilise cash-flow, prioritise debt and offsets, and align cover to the single biggest asset—the household income. You’ll leave with a spend map you can actually follow and a protection setup that won’t implode at claim time.

  • Families supporting children and ageing parents

    Supporting children while navigating a parent’s care needs compresses time and money. We model aged-care fees and cash-flow, coordinate Centrelink, and tighten estate hygiene (wills, EPOA, super nominations) so support is funded and fair – without sacrificing your own goals.

  • Established families & pre-retirees

    As your household matures, the question becomes efficiency and readiness. We map the final mortgage years, reset insurance to current needs, and design a simple, tax-aware investment approach alongside super contributions that match your cash-flow. Then we model retirement timing (including part-time transitions), school-to-uni costs, and boundaries for supporting adult children—so generosity doesn’t derail your own goals. You’ll leave with a clear funding plan and review cadence run by a dedicated family wealth advisor.

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Hear from our clients

Frequently Asked Questions

What does a family financial planner do - how is that different from a family wealth manager?

Both create strategies for cash-flow, debt, investing and protection. A family wealth manager typically provides ongoing portfolio oversight and family governance, while a planner may deliver episodic advice. In Australia, personal advice must be given under an AFS licence; ASIC/Moneysmart explain what to expect and how you’re protected.

Do we have to sell the family home to pay for aged care?

Not necessarily. Residential aged-care costs are means-assessed; outcomes vary by assets, income and chosen facility. There are distinct fees (basic daily fee, means-tested care fee, accommodation costs). Get advice before making irreversible property decisions. To learn more, check out our post dedicated to this topic: How to Avoid Selling Family Home To Pay for Care in Australia?

Which government supports matter for young families?

Common items include Parental Leave Pay and Child Care Subsidy. Entitlements depend on income/activity tests and can change; always check official settings before committing to a plan.

How much life insurance do families need?

It depends on debts, dependants, income replacement and goals. Moneysmart’s guide and calculator outline considerations and trade-offs; your advice will reflect your household’s numbers and ownership (inside vs outside super). Consider

Is this advice independent of product providers?

We provide strategy-led, client-first advice under Australian regulation; we disclose any conflicts and all fees up-front. See Moneysmart’s checklist for working with advisers

Book a Consultation

Click on the link below to arrange a complimentary initial consultation.

Book Consultation Call (02) 9894 1844

Contact Us

Send us a message using the form to the right, or get in touch with us via any of the methods below.

Book Consultation

(02) 9894 1844

michael@roccaforte.com.au

5 / 15 Terminus St Castle Hill NSW 2154
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Opening Hours
9:00am–5:00pm, Monday to Friday

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