If a person points a gun at you and said I come down here to kill you and your wife and kids, what are the charge?

There would be multiple charges. They could be charged with brandishing a firearm and criminal threats.

Then is a criminal assault with a deadly weapon. It is a major crime. If you were the one being accused engage a criminal defense attorney and do not speak with anyone about the incident. If you're the victim, call the police and make a report.