Services

Financial Grace Pty Ltd believe the best way for you to achieve long term wealth begins with a sound understanding of investment markets which includes understanding the benefits of direct ownership and the independence of self-direction.

We believe many intermediaries in the Financial Planning industry are compromised by their masters, whether un-intentionally or not, and don't necessarily always have the best interest of you (the client) in mind.

The starting point with Financial Grace is an education journey where we endeavour to teach you how to create wealth whilst at the same time minimising your risk. We provide ongoing mentoring along with a comprehensive personalised financial plan with regular ongoing reviews.

Our philosophy is based on direct ownership of both quality Australian shares along with direct real estate and commercial property. Our goal is to create financial security and wealth through sustainable direct investments. This approach gives you an opportunity to maximise your income and capital growth from within each asset class and in turn, benefit from the full effect of compounding assets

Our aim is to teach you how to create wealth safely, how to build a strong personal asset position and how to achieve your financial independence.

We are driven to provide a financial planning service that provides access to ethical, comprehensive and results-driven investment advice. We provide access to qualified, professional planners who review and analyse your situation and discuss potential investment strategies. They then work with you to develop a personalised plan that will guide your investment decisions.

If you would like to discuss your circumstances in relation to investing please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.

Australian Securities Exchange (ASX) listed shares are one of the most popular direct investments.

Investing in Australian shares allows you to own equity in some of Australia's largest and most profitable corporations, which allows you to access ongoing dividends and any potential growth in share values. Most of our large Australian companies pay a level of "franked" dividends which may provide taxation advantages for many investors.

We continually review and monitor the Australian ASX listed shares and apply our own overlay to ensure that our criteria is being met before we recommend you to buy or hold any particular listed shares. We also monitor global and domestic economic conditions which may impact on the Australian share market to ensure our clients have the right exposure and balance to diversify their investments and minimise risk.

If you would like to discuss your circumstances in relation to investing in ASX listed shares, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.

Residential and Commercial real estate are other popular Australian direct investment classes.

Residential Real Estate

Residential real estate investment is a popular Australian direct investment class. Financial Grace accepts that different clients have different requirements when investing in residential real estate.

Using nationwide, comprehensive and up-to-date research, we will conduct research to identify specific high growth areas that are suitable to your requirements.

To assist you make an informed choice about investing in residential real estate we have several services available:

Silver Property Advice Service

If you require assistance locating an investment property, Financial Grace provides a service to assist locate an appropriate property.

We will:

• Investigate locations that offer returns in line with your expectations.
• Visit and inspect potential properties.
• Complete comprehensive analysis of the proposed property.
• Provide you with a detailed report of potential properties including photographs, details of similar sales, any zoning or planning issues and costings.

Gold Property Advice Service

Financial Grace may also manage the entire acquisition of your investment property.

We will:

• Complete our Silver Property Advice Service as above.
• Manage the negotiation of any proposed contract on your behalf and provide you with feedback in relation to offers and counteroffers;
• Mange the settlement requirements to ensure a smooth settlement;
• Introduce you to specialists who can progress the building and pest inspections and finalise the conveyancing
• Organise a final inspection on the property upon request. This may incur an additional fee.

Comparative Property Analysis

If you are looking for Property analysis for any reason (e.g. selling, buying or reviewing existing properties) we can provide you assistance.

Comparative Property Analysis report (CPA)

A CPA will assist you in establishing an appropriate price for the subject property or reveal any equity you may have in any existing properties which may be accessible for further potential investment.

For a fee of $330 (inc GST), a Financial Grace CPA report provides you with an estimate price range for the property along with a comparison of recent listings and sales. In accessing any comparison we also consider location, age, land area and any features of the property.

Commercial Real Estate

Many clients believe the purchase of a commercial property is un-attainable We have a services which may help for those clients wishing to purchase a commercial property.

Quite often the cost of a Commercial Property excludes many investors from participating, so we have established a service that allows investors to pool their resources and establish a Syndicate which allows access to direct Commercial property without the need to fund the entire purchase of the Commercial Property.

Naturally we can also provide this service to you as an individual investor.

Either way, we will:

• Introduce Syndicate members if necessary.
• Advise in relation to a specific structure in which to buy and hold the property. (e.g. Company/Trust etc).
• Facilitate the investment process.
• Provide finance alternatives if required.
• Work with your chosen legal representative to ensure appropriate due diligence of the proposed transaction.
• Investigate locations that offer returns in line with your expectations according to our criteria.
• Assist with the practical implementation of GST registration and bank accounts etc, required for your investment entity.
• Visit and inspect potential properties.
• Complete comprehensive analysis of the proposed property.
• Negotiate the best possible price.
• Oversee and track the finalisation of the purchase

By using the Financial Grace's Property Service to purchase a commercial property, you can be sure your investment property will satisfy your investment goals and achieve appropriate rental returns.

If you would like to discuss your circumstances in relation to investing in property, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.

According to the Australian Tax Office, Self-managed super funds (SMSFs) are now the largest and fastest growing segment of the super industry

Financial Grace has established a SMSF service to assist you in establishing and managing your own SMSF.

Before you consider a SMSF, we will assess if a SMSF is an appropriate strategy for you based on your situation, goals and objectives. If we believe the SMSF is an appropriate strategy for you, we will provide a Statement of Advice (SOA) outlining our recommendations, including asset allocation and any costs or charges which relate to the establishment and maintenance of the SMSF.

Once we agree on the SMSF strategy, we will assist you to establish your SMSF.  As part of this service we will work with you and an accountant to establish a Trust Deed and a bank account that will act as the vehicle for investing your superannuation.

We can also assist you to consolidate your existing superannuation and once funds are consolidated into the SMSF bank account we can then commence investing your funds as per our recommendations set out in the SOA.

Financial Grace will continue to monitor your investments with specific consideration to the prevailing economic/ market conditions and their effect on the investments held within your SMSF.

We will also provide regular updates as part of this service and provide specific   market alerts in the event of any major corporate news or economic data.

If you would like to discuss your circumstances in relation to a SMSF, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.