Family First Estate Planning

Family First Estate Planning Family First Estate Planning was established to make high-end Estate Planning advice accessible & af

Hello! If you’re new here — welcome. I’m so glad you’ve found your way into this space.It feels like the right time for ...
08/07/2025

Hello! If you’re new here — welcome. I’m so glad you’ve found your way into this space.

It feels like the right time for a little reintroduction with so many new faces around after sharing the brilliant clip presented incorporating a segment which touched upon the benefits of Testamentary Trusts (which, yes — I’m a little obsessed with).

I’m Jaime — mum of five, wife, farm-dweller, and the face behind Family First Estate Planning. Life is full (and often a little chaotic), but this work truly lights me up.

I’ve worked in both family law and estate planning for over 15 years, and what I offer now is high-end legal planning — the kind of advice, strategies, and structures the wealthy have always used — but made more accessible. Everyone deserves the chance to amplify the legacy they leave for their partner, their children, and their beneficiaries.

I believe Testamentary Discretionary Trusts are one of the most powerful and underutilised tools available to families in their planning - along with Binding Financial Agreements (particularly for blended families) who want clarity, fairness, and protection for everyone they love.

I work fully remotely and offer estate planning services across multiple states — so no matter where you’re based, if you’re ready to put great planning in place, I’d love to connect.

So glad you’re here.

Jaime x

I asked ChatGPT how to amplify my kids’ inheritance.It’s top suggestion? A testamentary discretionary trust. Because if ...
07/07/2025

I asked ChatGPT how to amplify my kids’ inheritance.

It’s top suggestion? A testamentary discretionary trust.

Because if you’re serious about passing wealth to your kids in a way that’s tax-effective, protected, and built to last, this is the structure that does the heavy lifting.

It’s not just for the ultra-wealthy. Coupled with the right superannuation and insurance strategy, it’s for any parent who wants to leave more — and protect it from tax, creditors, or future relationship breakdowns.

If you’ve never heard of a testamentary trust before (or you’ve heard the term but weren’t sure if it was worth it) — this is your sign to find out.

I’ve got a comprehensive guide on testamentary trusts over in the resources section of my website if you want to learn more about how to level-up your legacy. You’ll find the link in my bio.

But before I build it, I need your help.Would you invest in something like this?Like the post or drop a quick comment — ...
05/07/2025

But before I build it, I need your help.

Would you invest in something like this?

Like the post or drop a quick comment — your feedback genuinely helps me decide if this is worth creating. Thanks legends!

— Jaime

Said with love… but also with my lawyer hat on.This post might feel a little blunt — but sometimes we need the wake-up c...
05/07/2025

Said with love… but also with my lawyer hat on.

This post might feel a little blunt — but sometimes we need the wake-up call.

Estate planning can feel heavy or “not urgent.” But what if something happened to you tomorrow? Seriously. Sh*t happens and we are all human. Has this been on your mental to do list for 1 year? 2? 3?

If something happened, would family know what to do?
Where would your kids go? Short term and looking further ahead?
Have you protected what you’ve built and set up the right structures for family financial security and support?

Not planning doesn’t protect them — it just delays the heartbreak and multiplies the mess.
Emotionally. Legally. Financially.

You’re not too young.
You’re not too broke.
You’re not too busy.

If you’ve been putting it off, this is your nudge.
Get it sorted — for them.

Same $1 million. Two very different outcomes.I know estate planning can feel overwhelming (and sometimes it’s hard to kn...
24/06/2025

Same $1 million. Two very different outcomes.

I know estate planning can feel overwhelming (and sometimes it’s hard to know what actually makes a difference), but this is one of the clearest examples I can give.

If you were to leave $1 million to your spouse and it’s invested at 5% per annum, that’s $50,000 of income each year. If it’s in their personal name, it’s fully taxable and adds to their assessable income—potentially pushing them into a higher tax bracket—even though they’re likely just spending that money on your kids and their living expenses.

With a testamentary trust set up in your will, that same $50,000 can be distributed to your minor children—taxed like adults. That means the first $44,000 per child (as of this year) can be completely tax free.

It’s one of the most effective (and underused) strategies for protecting and preserving your family’s wealth for the next generation. And it costs less than you think to set up properly.

This is exactly the kind of thing I walk through with families in our planning sessions—making sure your legacy is protected and your people are supported long after you’re gone.

If this has raised questions for you, you can book a free 15-minute consultation via the link in my bio, or download one of the free guides I’ve put together to help families understand how this works in practice.

Let’s get you informed and empowered 💛

Same $1 million. Two very different outcomes.I know estate planning can feel overwhelming (and sometimes it’s hard to kn...
24/06/2025

Same $1 million. Two very different outcomes.

I know estate planning can feel overwhelming (and sometimes it’s hard to know what actually makes a difference), but this is one of the clearest examples I can give.

If you were to leave $1 million to your spouse and it’s invested at 5% per annum, that’s $50,000 of income each year. If it’s in their personal name, it’s fully taxable and adds to their assessable income—potentially pushing them into a higher tax bracket—even though they’re likely just spending that money on your kids and their living expenses.

With a testamentary trust set up in your will, that same $50,000 can be distributed to your minor children—taxed like adults. That means the first $44,000 per child (as of this year) can be completely tax free - every single year (add that up!).

It’s one of the most effective (and underused) strategies for protecting and preserving your family’s wealth for the next generation and it costs far less than you think to set up properly.

This is exactly the kind of thing I walk through with families in our planning sessions—making sure your legacy is protected and your people are supported.

If this has raised questions for you, download one of the free guides I’ve put together to help families understand how this works in practice.

Let’s get you informed and empowered 💛

Talking about finances might not sound romantic… but planning ahead together is one of the most loving things you can do...
24/06/2025

Talking about finances might not sound romantic… but planning ahead together is one of the most loving things you can do - especially when you’re both in a place where you genuinely want the best for each other.

Whether you’re entering a new relationship, blending families, or building a life with someone you adore, a Financial Agreement can give you clarity, confidence, and peace of mind to focus on what matters.

No drama. No legal overwhelm. Just a practical, respectful way to protect what matters—so you can move forward as a team.

I’ve loved creating my Stong Together Guide. A beautifully written, practical resource for couples who want to start the conversation and make confident, values-aligned decisions.

Download via the link familyfirstestateplanning.com.au/binding-financial-agreements

This is such an overlooked part of a truly comprehensive estate plan—and one that’s often not handled well by generalist lawyers. Most estate planning lawyers don’t have specialised family law experience, and vice versa.

This is my niche. It’s what I love, and it’s where I bring both worlds together.

23/06/2025

A couple of you messaged me after I shared these stories around testamentary trusts and how they actually work asking if I could put it somewhere permanent so that you could come back to it later and show your other halves - so here it is 💫.

If you’re curious about what a testamentary trust is, how it works, how much it really costs, and why DIY Wills can be risky, just swipe through. It’s all in here.

Disclaimer: This absolutely isn’t a curated post— just real information that I want more families to have access to 💛

To the mums in the thick of it. To the mums doing it solo.To the bonus mums, grieving mums, stay at home mums, tired mum...
11/05/2025

To the mums in the thick of it. To the mums doing it solo.
To the bonus mums, grieving mums, stay at home mums, tired mums, corporate mums.

The capacity women have to love, hold and carry is nothing short of extraordinary.

To every woman showing up in her own way— I see you, I honour you, and I’m so grateful for you.

Happy Mother’s Day 🤍

It’s time to do some adulting people. 60% of Australian parents have no legal plan in place for their kids 😳😳😳No nominat...
09/05/2025

It’s time to do some adulting people.

60% of Australian parents have no legal plan in place for their kids 😳😳😳

No nominated guardians.
No clear instructions.
No financial roadmap if something happens.

If you’ve been meaning to get your estate plan sorted but don’t know where to start, I’ve made it easy — Download my Quick-Start Family Estate Planning Guide—it’s free, practical, and designed for real families like yours (link in my stories or find it on my website linked above).

Let me give you the tools to take control of your family’s future, before life forces your hand.

Ever had that little voice in your head say, “We really should get this stuff sorted…”?You’re not alone.Wills, guardians...
14/04/2025

Ever had that little voice in your head say, “We really should get this stuff sorted…”?

You’re not alone.
Wills, guardianship, super, your wishes—it’s the kind of planning that really matters, but it’s also easy to put off (because where do you even start?).

I’ve created a resource for you so you can get started on your plan right NOW, and it’s totally FREE. The Quick-Start Family Estate Plan Checklist is calm, clear, and designed to help you gently take stock of what you’ve got in place—and what might still need some love.

No pressure. No overwhelm. Just a simple way to begin the conversation—with yourself, your partner, or anyone who needs to be part of it.

DM me the word “CHECKLIST” and I’ll send it straight to you.

You don’t need to have it all figured out.
You just need a starting point.

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