If you mean Flynn, he only would have charges if he refused to talk. The fact that no charges have been filed yet, coupled with today's news, does not bode well for Team Trump.
Otherwise, charges will only filed when strategic to do so OR not until the case is complete.
First, going through Trump's finances will take a team of accountants months to figure who owns what (and what other owners are involved, particularly the indirect "other owners"). Once the ownership, direct and beneficial, has been established, then there is all the money that has to be traced through the system. If the money is laundered money, it would have been done professionally (and dry cleaned), so it will take a team of experts to find, understand and document. Its time consuming.
Second, its very likely that Mueller has enough evidence to bring down most of the West Wing, but good prosecutor generally wants multiple paths to conviction; such an overwhelming case that their is little doubt. He needs nothing less in the political environment we have today. The case needs to make the jaws of the cast of Fox and Lovers drop to the floor.
....and you know that how? Otherwise your arguments have moved into the emotional, wishful thinking zone. That is not debate.