Financial Planning

Let us help you create the future you want

At Callaghans, we have over 20 years experience in financial planning. Wealth does grow with the right advice, and we will navigate you through the complexities of financial planning. A sound financial plan developed specifically for your individual situation is paramount to your road to financial freedom.

When it comes to money we have the expertise in handling it.

We specialise in wealth creation, tax planning, defined benefit schemes, superannuation & retirement planning, Self-Managed Super Funds (SMSF), estate planning, asset structuring and wealth protection.


Our Financial services team can support you with

Callaghans focus on creating effective investment strategies suited to your financial goals and needs. We look at where you are now and where you want to be.

  • Managed Funds
  • Margin Loans
  • Direct Shares
  • Property Investments
  • Term Deposits
  • Cash Management Trusts

If you are considering investing or seeking financial planning advice and looking for a Financial Adviser who can help you generate the wealth you need to meet your goals, then call our office today and arrange for a completely free 30 minute (obligation-free) appointment with one of our Advisers.

Property Investment and Professional Direction

Are you thinking about investing in property but are unsure of the best place to buy, or can’t find the time to do the research?

Callaghans can provide you with all the support and guidance that you need before making such a large financial commitment.

This includes:

  • Property research
  • Cash flow analysis
  • Tax advice
  • In-house lending solutions

Callaghans can also provide opportunities to invest in direct property through our referral partners, Pacific Eastcoast.

Pacific Eastcoast’s aim is simple; they provide clients with well researched and well located investment property.

They evolved from an accounting practice which combined with their property experience ensures they keep up to date with the market and the performance of the properties they source.

To date Pacific Eastcoast have placed over $3 billion worth of investment property to over 8,000 individual investors, making them Australia’s leading source of property investments to the professional industries.

Control and Guidance

With a perfect mix of up to date financial information and access to comprehensive research facilities Callaghans can build you a share portfolio tailored to your personal investment goals and risk tolerance.

So why invest in shares?

  • Easy to understand
  • The excitement of being a part of a company
  • Capital growth
  • Income from dividends
  • Diversification to your investment portfolio
  • Can be tax effective
  • The liquidity of shares

Callaghans use research houses such as Morningstar, Bell Potter Portfolios and Morgan Stanley Smith Barney.

We search for the best businesses in the market, ensuring they are turning revenue into profits with strong returns to equity.

Securing your retirement goals

Superannuation is an important consideration for all Australians. No matter what stage of your life you’re at, investing in Super as early as possible reaps the greatest rewards as your money works for you over time.

Callaghans offer a range of Super funds and Superannuation solutions to help you achieve your goals and grow your wealth so that when the time comes, your retirement plans will be easily realised.

Don’t put off doing something now, it pays to put a plan in place and start saving!

Could this be you?

  • I don’t know whether I will have enough money for retirement
  • I have lost Superannuation and/or numerous Superannuation Funds
  • How much in fees does my Superannuation Fund charge me?
  • I don’t understand the tax advantages of Superannuation
  • How is my Superannuation being invested?
  • Is my investment portfolio actively being managed?
  • I didn’t realise I was paying for insurance within my Superannuation, what is this all about?
  • How could I benefit from making contributions to Superannuation?
  • I am close to retirement, what do I do next?
  • I have a spouse who is not working or is on a low income, what does that mean in relation to my Superannuation?
  • What would happen with my Superannuation if I passed away?

These are just a few of the questions that a Callaghans Financial Advisor can help you with to make sure you are maximising your savings for retirement. We build a Superannuation strategy specifically tailored to help you meet your retirement goals.

Professional financial advice helping you to achieve your goals

Most Australians would like to be able to retire at a reasonable age and enjoy the comfort and lifestyle they have become accustomed to over their working life.

Let’s think about this for a minute, on average people are spending:

  • The first 20 years of their life at school, technical college or other education institutions
  • 35 years working, and
  • 20 years in retirement

There is a real need to plan for those years in retirement so you can make this time enjoyable and stress-free.

At Callaghans we look at the whole picture, not simply whether you will have enough money saved up but what kind of lifestyle you want, where you will wish to live and whether you have legally protected your assets.

A retirement plan can help give you peace of mind and help set strategies to achieve those goals. Contact one of our qualified and experienced Financial Planners today to discuss how a retirement plan may help you.

Protecting your family

At Callaghans we strongly believe, protect what you have now, before you consider anything else!

Wealth protection relates to a variety of insurance cover options, protecting individuals against loss due to death, illness or injury.

Although thinking about personal risk can be a sensitive and emotional issue it is important to be aware of the potential risks and ways you can protect your financial well being as well as providing quality of life in the unfortunate case of serious illness or injury.

Callaghans can assist you to identify the risks, determine the most cost-effective solution and implement a risk management program which has been tailored to suit you.

There are four main types of cover:

Life cover
Provides an agreed amount upon your death to support dependants. Life Insurance can be used to help pay one-off and ongoing expenses such as a mortgage, personal debts, funeral expenses, children’s education and as ongoing income.

Total and Permanent Disablement (TPD) cover
Provides a cash lump sum to support you and your dependants if you are totally and permanently disabled as a result of an injury or illness. This can help pay off mortgages or other personal debts, provide an income or help with expenses associated with a change in lifestyle.

Income Protection
Provides an income stream to support you and your family if you can’t work due to illness or an injury. This can usually provide up to 75% of the pre-tax income that you earned prior to injury or illness.

This insurance can help you make ongoing mortgage payments, as well as servicing other debt and providing an income.

Trauma Cover
Provides a lump sum payment to you if you suffer a specific major medical condition. Trauma insurance can be used to relieve the stress associated with the medical condition by providing for medical expenses, mortgage payment, an extended holiday or subsidising your income if a change of employment is required.

We also offer all our clients annual Reviews of their insurance so that they can be sure they are getting the right cover for their circumstances at all the different stages of life. If you have questions about Wealth Protection or would like a quote and advice regarding your insurance needs call our friendly and professional Financial planning team today.

The task of choosing a Personal loan that fits your needs is not straightforward or easy and can be extremely confusing. Don’t go straight to the bank for your personal loan … Compare our competitive rates!

Our panel of lenders ranges from major banks to boutique lenders. We match you with the best option suited to your personal situation; imagine the thrill of a new car without the stress!

A Personal Loan can be used to finance a vehicle for personal use.

Callaghans have a range of flexible finance products designed to assist you in conserving your cash flow and potentially provide certain tax advantages.

Commercial Hire Purchase (CHP)

A CHP is a commercial finance product where the customer hires the vehicle from the financier for a fixed monthly repayment over a set period of time.

Under a Commercial Hire Purchase (CHP) arrangement the financier agrees to purchase the car on behalf of the customer, and then hire it back to them over a set period of time.

The customer has the use of the vehicle for the term of the contract but is not the owner of the vehicle.

At the end of the contract term when the total price of the vehicle (minus any residual) and the interest charges have been paid in full, the customer takes ownership of the car.

A CHP can assist you with more cash flow for your business. Simply tailor your CHP by selecting the contract term (up to 5 years). Include a deposit and nominate a balloon instalment to lower your monthly instalments. The interest charges and depreciation may be tax deductible.

Chattel Mortgage

A Chattel Mortgage is a particular type of finance used by businesses for the purpose of purchasing a new or used vehicle or other business equipment.

A Chattel Mortgage is essentially a Mortgage over goods to be financed. A Chattel Mortgage is classed as a cash sale in that the goods automatically become yours on purchase and the finance company takes a mortgage over the chattels. However for tax purposes you can claim depreciation, running costs and interest paid, against your business income.

A Chattel Mortgage may be suitable for businesses registered for GST. You own the vehicle and your repayments can be tailored by selecting the term (up to 5 years) and incorporating a balloon payment. The interest rate is fixed for the life of the loan.

How we can help you create the financial future you want

Initial Appointment

  • Getting to know you, your values, objectives and goals
  • Helping you understand and prioritise what is important to you

Advice Preparation

  • Tailoring advice to you in the best position to meet your goals and objectives
  • Presenting advice in a clear and concise manner


  • Implementing agreed upon recommendations
  • Fully managing the implementation of your new financial plan

Ongoing Support and Review

  • Continuous review of your strategic and investment plans to keep you on track and help you navigate through any changes during your financial journey

Meet our Financial planning team

Our team has the experience and understanding to guide you through the planning process and ensure you take the right steps.

When you work with our team you will get:

  • Structure – We provide clarity to your situation in order for you to understand where you stand and how far you are from where you want to be.
  • Direction – We will lead you through the complexities of financial planning to achieve your goals.
  • Support – We will provide support to assist and guide you through sometimes difficult choices.
  • Expertise – Our expertise and experience will be at your disposal to help you reach your goals.
  • Trust – Building a strong and trustworthy relationship is an integral part of our service.
  • Focus – We are committed to providing a tailored service to your individual needs.

General advice warning: The advice provided is general advice only, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.

Please see our Financial Services Guide (FSG), it provides you with important information about Fortnum, Callaghans Financial Services as trustee of the CFS Unit Trust and its advisers (Adviser) who may provide you with the services described in this FSG.



*Lending services are authorised by Finconnect (Australia) Pty Ltd ABN 45 122 896 477 Australian Credit Licence No. 385888 a wholly-owned subsidiary of Count Financial Limited.

Callaghans Financial Services and its advisers are Authorised Representatives of Fortnum Private Wealth Ltd ABN 54 139 889 535 AFSL 357306



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