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. View our
Financial Services Guide.
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.
- CASH FLOW
- Income in retirement
- Centrelink benefits
- Income vs Expenses
- Budgeting
- Employee vs Self Employed
- Lifecycle spending
- EVENTS
- Retirement
- Divorce
- Death
- Children
- Education
- Redundancy
- Disability
- Financial Windfall
Talk with us about planning for events that could effect your finances.
- ESTATE PLANNING
- Wills
- Enduring power of attorney
- Intergenerational transfer of assets
- Probate
- Binding death benefit nominations
- Estate assets
- Non-estate assets
- Split families
- 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
- 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
- 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
- DEBT MANAGEMENT
- Negative gearing
- Fixed vs floating rates
- Good vs Bad debt
- Deductible vs non-deductible debt
- Debt recycling
- Appropriate leverage
- Repayment pathway
- Refinancing
- CASH FLOW
- Income in retirement
- Centrelink benefits
- Income vs Expenses
- Budgeting
- Employee vs Self Employed
- Lifecycle spending
- EVENTS
- Retirement
- Divorce
- Death
- Children
- Education
- Redundancy
- Disability
- Financial Windfall
Talk with us about planning for events that could effect your finances.
- ESTATE PLANNING
- Wills
- Enduring power of attorney
- Intergenerational transfer of assets
- Probate
- Binding death benefit nominations
- Estate assets
- Non-estate assets
- Split families
- 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
- 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
- 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
- DEBT MANAGEMENT
- Negative gearing
- Fixed vs floating rates
- Good vs Bad debt
- Deductible vs non-deductible debt
- Debt recycling
- Appropriate leverage
- Repayment pathway
- Refinancing
- CASH FLOW
- Income in retirement
- Centrelink benefits
- Income vs Expenses
- Budgeting
- Employee vs Self Employed
- Lifecycle spending
- EVENTS
- Retirement
- Divorce
- Death
- Children
- Education
- Redundancy
- Disability
- Financial Windfall
Talk with us about planning for events that could effect your finances.
- ESTATE PLANNING
- Wills
- Enduring power of attorney
- Intergenerational transfer of assets
- Probate
- Binding death benefit nominations
- Estate assets
- Non-estate assets
- Split families
- 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
- 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
- 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
- DEBT MANAGEMENT
- Negative gearing
- Fixed vs floating rates
- Good vs Bad debt
- Deductible vs non-deductible debt
- Debt recycling
- Appropriate leverage
- Repayment pathway
- Refinancing
- DEBT MANAGEMENT
- Negative gearing
- Fixed vs floating rates
- Good vs Bad debt
- Deductible vs non-deductible debt
- Debt recycling
- Appropriate leverage
- Repayment pathway
- Refinancing