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Commonly Asked Questions

Many of our clients have questions that need to be answered before they reach out to us.
Please find some of our commonly asked questions below.
If your question is not covered please contact us.

You can expect to be treated with respect, courtesy and of course with the utmost privacy.


The first consultation is really all about you. This is your opportunity to interview us, assess our practice and ask questions that will help you decide if Graham Financial is the right fit for you.  What questions should you ask?  Anything you like, but to help you get started, ASIC have put together a section on their money smart website called “questions to ask when choosing a financial adviser.”  

View Money Smart Website

We think it’s important to give you time to assess us, as such the first and sometimes subsequent appointments are free of charge.  If formal charged work begins, we will let you know before-hand what work will be done, what it will cost, as well as the timeframe it will be completed by. 

Whilst it’s not a pre-requisite, completing our fact find and sending it to us before the appointment will ensure you get the most out of it.  


If you find this a little daunting, rustle up as much information on your personal financial situation as you can.  


Information such as:

  • Approximate gross income (a payslip if you have one handy)
  • Loan balances including the interest rate and term (fixed or variable)
  • Budget (if you have one)
  • Details of investments including superannuation, investment properties, shares etc
  • Details of existing personal insurance polices 
  • Details of any other entities that you may have such as a trust or company 

Not everyone needs a financial planner… but everyone needs a financial plan.

In fact, if you don’t have professional assistance, it’s even more critical to have a formal written plan in place.  


A good financial plan should not only look to optimise your outcome, but also identify risks and ensure strategies are put in place to minimise or eliminate them.  


In a perfect world, a good financial plan would never need to change or adapt. However life isn’t like that, unexpected challenges, opportunities and legislative changes are almost certainties. A good financial plan will be adaptable, it will optimise your outcome, it will identify and mitigate your risks. 


If you are going it alone, recognise your limitations and seek advice when you need to. Decision paralysis is not the answer to “I am not sure what I should do?”

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