Turn “one day” into day one

Simplify your choices, understand your financial options, and make intentional decisions that are right for you.

Mature cycling couple enjoying coffee break in nature

You've finally got headspace. Now what?

Things are starting to shift. The calendar isn’t as full, the kids are older, and work isn’t driving every decision. You’ve now got space to think about what’s next and how you want to spend your time. You’ve earned well and saved well, and now the choices feel more complex.

We help you turn that space into clarity from day one.

You’re heard and understood
Your finances are explained in plain English
Your priorities are highlighted — what matters now and what can wait
You see the pros and cons clearly laid out
You move forward with confidence in your decisions
Your money works purposefully for the life you want

Learn about us

No better time than today

0%

report that their financial adviser has supported them to make the best possible financial decisions.

0%

say that the services provided by their financial adviser have met their needs.

0%

say financial advice has provided them with more value than it costs.

* Financial planning client statistics from the Financial Advice Association Australia, 2025

You might be wondering...

If any of these sound familiar, you are in the right place.

Do I have enough money to scale back or stop full time work?

How do we balance the trade-offs between our lifestyle now and the future we want?

How do we turn savings into income we can rely on?

Will we qualify for any Age Pension or concessions?

How long will my money last?

What are we not seeing or considering yet?

How should we set up our investments for this stage?

How should we use super and investments in a tax-effective way?

Would downsizing or helping the kids make sense for us?

What should we do with our cash savings?

Start your day one

Services to support your situation

Retirement planning

Plan the shift from work to life after work. We help you understand what income you can expect, when you can step back, and how to make the most of the savings you have built.

Investment advice

Make sense of your investment options and build a strategy that feels right for you. We help you invest confidently, balancing opportunity and comfort so your money supports the life you want.

Structural planning

Get the right structures in place for your situation, including super and tax explained simply. We help you keep things efficient, manageable, and working in your favour.

Learn about our services

Happy clients from day one

Two happy clients, Sue and Save, travelling

Sue and Dave

With the right advice, Sue and Dave went from not knowing where to start to having complete peace of mind about their wealth and retirement plans.

Margaret

Margaret gained the reassurance and understanding she needed to feel secure and optimistic about her financial future by partnering with us.

A KLM Financial Planners client, Max and his partner, smiling while travelling

Max

After years of generic guidance, Max finally found a proactive adviser who simplified his finances and became a trusted sounding board through every stage of retirement.

Learn about who we help

review us on

LUCY O C.

highly EFFICENT AND PROFESSIONAL , would highly recommend .

Geoff M.

I have been a customer with KLM, in both accounting and financial planning, for over 10 years. Everyone, from reception onward, have always been courteous, professional and knowledgeable. I admire the culture of the organisation.

Virginia M.

We can't recommend Chris Upton and KLM more highly. Chris is knowledgeable and helpful. He explains difficult concepts well and gave us confidence that our finances were in safe hands. As a soon-to-be retired couple, Chris has helped us to achieve our retirement goals and we're very grateful to him and his team.

Bruce J.

We are extremely HAPPY with our relationship with Chris Upton and KLM Financial Planners. Chris's guidance, professionalism, genuine personality and friendship has made our journey through our later working lives, and now into our retirement a pleasant experience.
Thank you very much Chris and the team at KLM.

Gail T.

We were introduced to KLM by my sister and brother-in-law who highly recommended them. Salena Stonehouse is our financial advisor. Salena is a joy to work with. Very efficient and extremely knowledgeable. Her communication is second to none. We are working towards early retirement and Salena is keeping us on track. We are so glad that we made the decision to engage KLM for our financial needs.

Kathy J.

Highly recommend Chris Upton & KLM.

Julie V.

Chris is a well qualified and very knowledgeable financial advisor with KLM.
We would recommend him to anyone who needs financial advice.

Our process to get you to where you want to be

1. Start your day one journey

You share what life you want your money to support. We listen first.

1. Start your day one journey

2. Understand your situation

We explain where you stand in plain English, highlight what matters most, and outline the options ahead so you can make informed decisions.

2. Understand your situation

3. Create your day one plan

We bring it all together — clear advice, tailored recommendations, and a practical roadmap to help you move from intention to action.

3. Create your day one plan

4. Put decisions in place

We help you complete the paperwork and take care of the implementation, so your plan becomes real and you can move forward with confidence.

4. Put decisions in place

5. Beyond day one

Rules change, markets shift, and life keeps unfolding. We stay alongside you, updating your plan so it continues to work for you.

5. Beyond day one

Start your day one

Older woman drinking red wine with younger woman

Make today your day one

You don’t need all the answers before we talk. Bring your questions and we’ll work it out together.

Start your day one