Advice Across Generations: The JBS Family Tree Approach

At JBS Financial, we don’t just work with individuals—we work with families. For us, financial advice is more than investment strategies or tax planning. It’s about understanding each client’s life in full context and often, that includes multiple generations of the same family.

Whether we’re helping retired parents plan their estates, advising their adult children on starting their investment journeys, or guiding families through aged care decisions, we take a whole-of-family approach to financial well-being.

We call this the JBS Family Tree approach to advice, because true financial security isn’t just about today. It’s about preparing everyone in the family for tomorrow.

Why Generational Advice Matters

More Australians are joining what’s known as the “sandwich generation”—supporting both ageing parents and adult children while also planning for their own retirement.

Financial complexity across generations is growing, from aged care decisions and inheritance planning to first-home deposits and income protection. With Australians living longer and retiring earlier than planned, families need coordinated strategies, not isolated plans.

According to the 2022 Retirement Confidence Report, Australians retire 10 years earlier on average than expected, and nearly half had to adjust their retirement plans. This reinforces the importance of having a flexible, family-wide financial strategy that can adapt to change.

Supporting Every Branch of the Family Tree

Here’s what intergenerational advice looks like:

🌿 For Retired Parents

• Retirement income strategies that stretch for 25+ years
• Estate planning and beneficiary mapping
• Managing tax-effective drawdowns and investment risk
• Coordinating aged care advice, including Centrelink and funding options

🌿 For Their Adult Children

• Building savings and investment portfolios
• Reviewing or establishing appropriate insurances
• Advice on buying their first home (often with family support)
• Introduction to financial literacy and long-term planning

🌿 For the Whole Family

• Facilitating open family conversations around estate planning
• Aligning wealth transfer strategies with values and tax obligations
• Guiding family members through changes in laws or life circumstances

As Jenny Brown, CEO of JBS Financial, explains:

“We often begin with one client, but the conversation naturally grows. A couple planning for retirement wants aged care advice for their parents or financial guidance for their adult children. That’s where our strength lies—seeing the full picture and supporting the family as a whole.”

Financial Literacy, Confidence and Connection

Research from the Retirement Confidence Index shows that retirement confidence isn’t built on finances alone—it’s shaped by:

• Financial awareness and skills
• Health and wellbeing
• Social connection
• Retirement planning and preparedness

Families that engage in open conversations about money—and receive professional advice—are far more likely to feel secure, in control, and prepared.

Let’s Help Your Whole Family Retire Right 🌳

At JBS Financial, we believe financial advice should grow with you, including the people you love. Whether navigating life changes, starting something new, or preparing for what’s ahead, we’re here to support every branch of your financial life.

📞 Get in touch with our specialist team today to learn more about our Family Tree approach to financial advice.
🔗 Contact JBS Financial

Sources:

• Retirement Confidence Report 2022
• Moneysmart – Financial guidance for different life stages