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Advice Tailored to You

Graham Financial offers a complete advisory service that is personalised and tailored to your unique financial situation. Our holistic approach will provide significant and long term benefits to your financial outcome. 

 We find clients will recognise they need assistance with one segment of the wheel, however it is the interaction and understanding of all the segments that provides financial security, at all life stages.
  • STRUCTURING
    • Tax effective
    • Superannuation
    • Trusts
    • Company
    • Asset protection
    • Transfer balance Cap
    • Capital Gains tax
    • Insurance bonds
    • Small business concessions
    • Concessional or non concessional contributions
    • Super caps
    • Ownership
    • Joint tenants vs tenants in common

    Talk with us about Structuring your finances.

  • INVESTMENT
    • Shares (Equities)
    • Commercial/Industrial property
    • Residential property
    • Bonds  - corporate and Govt
    • Cash
    • Managed funds
    • Term Deposits
    • ETF's/LIC's/SMA's/MIT's
    • Debentures
    • Derivatives
    • Hybrids
    • Macro economics
    • Economic cycles
    • Tax efficiency

    Talk with us about your Investment Strategy.

  • RISK MANAGEMENT
    • Asset protection
    • Life insurance
    • Income protection
    • Total and permanent disability
    • How much insurance is enough?
    • Business insurance
    • Key man risk
    • Transfer of risk
    • How much risk is too much?
    • Asset allocation

    Talk with us about Risk Management.

  • DEBT MANAGEMENT
    • Negative gearing
    • Fixed vs floating rates
    • Good vs Bad debt
    • Deductible vs non-deductible debt
    • Debt recycling
    • Appropriate leverage
    • Repayment pathway
    • Refinancing

    Talk with us about your Debt Management plan.

  • STRUCTURING
    • Tax effective
    • Superannuation
    • Trusts
    • Company
    • Asset protection
    • Transfer balance Cap
    • Capital Gains tax
    • Insurance bonds
    • Small business concessions
    • Concessional or non concessional contributions
    • Super caps
    • Ownership
    • Joint tenants vs tenants in common

    Talk with us about Structuing your finances.

  • INVESTMENT
    • Shares (Equities)
    • Commercial/Industrial property
    • Residential property
    • Bonds  - corporate and Govt
    • Cash
    • Managed funds
    • Term Deposits
    • ETF's/LIC's/SMA's/MIT's
    • Debentures
    • Derivatives
    • Hybrids
    • Macro economics
    • Economic cycles
    • Tax efficiency

    Talk with us about your Investment Strategy.

  • RISK MANAGEMENT
    • Asset protection
    • Life insurance
    • Income protection
    • Total and permanent disability
    • How much insurance is enough?
    • Business insurance
    • Key man risk
    • Transfer of risk
    • How much risk is too much?
    • Asset allocation

    Talk with us about Risk Management.

  • DEBT MANAGEMENT
    • Negative gearing
    • Fixed vs floating rates
    • Good vs Bad debt
    • Deductible vs non-deductible debt
    • Debt recycling
    • Appropriate leverage
    • Repayment pathway
    • Refinancing

    Talk with us about your Debt Management plan.

  • STRUCTURING
    • Tax effective
    • Superannuation
    • Trusts
    • Company
    • Asset protection
    • Transfer balance Cap
    • Capital Gains tax
    • Insurance bonds
    • Small business concessions
    • Concessional or non concessional contributions
    • Super caps
    • Ownership
    • Joint tenants vs tenants in common

    Talk with us about Structuring your finances.

  • INVESTMENT
    • Shares (Equities)
    • Commercial/Industrial property
    • Residential property
    • Bonds  - corporate and Govt
    • Cash
    • Managed funds
    • Term Deposits
    • ETF's/LIC's/SMA's/MIT's
    • Debentures
    • Derivatives
    • Hybrids
    • Macro economics
    • Economic cycles
    • Tax efficiency

    Talk with us about your Investment Strategy.

  • RISK MANAGEMENT
    • Asset protection
    • Life insurance
    • Income protection
    • Total and permanent disability
    • How much insurance is enough?
    • Business insurance
    • Key man risk
    • Transfer of risk
    • How much risk is too much?
    • Asset allocation

    Talk with us about Risk Management.

  • DEBT MANAGEMENT
    • Negative gearing
    • Fixed vs floating rates
    • Good vs Bad debt
    • Deductible vs non-deductible debt
    • Debt recycling
    • Appropriate leverage
    • Repayment pathway
    • Refinancing

    Talk with us about your Debt Management plan.

  • DEBT MANAGEMENT
    • Negative gearing
    • Fixed vs floating rates
    • Good vs Bad debt
    • Deductible vs non-deductible debt
    • Debt recycling
    • Appropriate leverage
    • Repayment pathway
    • Refinancing

    Let's talk about your Debt Management plan.

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