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Ready to take a step closer to financial freedom?

Ready to take  a step closer to financial freedom?

Trusted since 1985.

We specialise in helping people prepare for retirement and those already in retirement.
Based in Toowoomba Queensland, Graham Financial is a locally owned boutique financial planning practice that operates under its own Australian Financial Services Licence (AFSL).

We are an approved FAAA Professional Practice. This designation is reserved for only the highest calibre financial planning practices. We also comply with Australia’s highest ethical and professional standards set by the Financial Advice Association Australia.
Our Financial Planners are all Certified Financial Planner® Practitioners. This is the highest recognised standard that a financial planner can achieve in Australia and it ensures a continued dedication to education, ethics and professional conduct. 
Australian Financial Services License (AFSL) #327520 
Based in Toowoomba Queensland, Graham Financial is a locally owned boutique financial planning practice that operates under its own Australian Financial Services Licence (AFSL).

We are an approved FAAA Professional Practice. This designation is reserved for only the highest calibre financial planning practices. We also comply with Australia’s highest ethical and professional standards set by the Financial Advice Association Australia.
Our Financial Planners are all Certified Financial Planner® Practitioners. This is the highest recognised standard that a financial planner can achieve in Australia and it ensures a continued dedication to education, ethics and professional conduct. 
Australian Financial Services License (AFSL) #327520 

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PARTNER WITH US

Investing is a journey toward financial empowerment and security. At Graham Financial, we’re dedicated to helping you preserve and grow your accumulated wealth, ensuring a secure future. Partner with us to navigate your financial journey with confidence and care.

Meet the Team

Experienced

Founded in 1985, our advisers possess the necessary qualifications and expertise to confidently guide you through your financial situation.

Understanding

We take the time to understand your individual circumstances and concerns regarding finances and major life decisions. Our genuine care for our clients' futures sets us apart.

Personalised

As a boutique firm, we selectively engage with clients where we can add real value, ensuring honest communication from your initial meeting.

Specialists In Retirement

We specialise in retirement and pre-retirement scenarios, emphasising the importance of starting early to achieve the best outcomes.

TRUST

COMPETENCE

HONESTY

FAIRNESS

DILIGENCE

Our Core Values

We live in a world that is constantly changing. Monitoring and being able to adapt to these changes is paramount. With this ever-changing backdrop, it is our values that have formed the foundation of our business from its inception and what continues to set us apart. 


Whether you are a current, former or future client, these are the values that you can expect to see demonstrated by Graham Financial. Compromising one value for another is not acceptable to us. 


What value is honesty without competence or trust without diligence? 


We know the importance of taking a holistic view across all five of these values and use this as the framework to underpin all our decisions. 


Get To Know Us

It all starts with a conversation

about your financial future.

At Graham Financial, our planning process is all about you. As a boutique firm, we tailor solutions to your unique circumstances. We selectively engage with clients where we can truly add value, ensuring a no-pressure, honest approach. After our first meeting, we will give you a candid assessment of how we can help. This commitment to integrity allows us to confidently prioritise your needs above all else.

It all starts with a conversation

about your financial future.

At Graham Financial, our planning process is all about you. As a boutique firm, we tailor solutions to your unique circumstances. We selectively engage with clients where we can truly add value, ensuring a no-pressure, honest approach. After our first meeting, we will give you a candid assessment of how we can help. This commitment to integrity allows us to confidently prioritise your needs above all else.

FAQS

Here are answers to some common questions. 

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?”

specialising in retirement planning

Helping people find financial freedom since 1985.

Helping people find financial freedom since 1985.

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