Financial Planning

Financial Planning

Carey Financial Pty Ltd was formed in 2000 out of a need to offer quality financial planning services to the clients of long established accounting firm, Carey Accountants Pty Ltd. We have offices located in Townsville, Ingham and Cardwell and provide trusted advice to clients from throughout Australia.

So what is financial planning?

To find out more about financial planning and our services, we invite you to watch this short video.

Our Services

We liken our advice process to an analogy of building a house:

Foundations: Strategy
Major emphasis is placed on the development of a workable strategy as a solid foundation for our clients to work towards and base important decisions.

Walls: Investments
Ensure that appropriate investments are utilised and regularly reviewed, in order to generate the returns necessary to achieve our clients goals and objectives.

Roof: Risk Management
Make sure that your interests are adequately protected from any unforeseen events through appropriate levels of insurance.

Our abilities go far beyond investment management. Our clients enjoy professional guidance at a personal level so that informed decisions can be made in the areas of:
  • Goal setting and strategy development: we work with you to quantify what are the lifestyle and financial goals are that are important to you, developing strategies to achieve them.
  • Wealth creation: we offer comprehensive financial modelling to illustrate how our proposed strategies will help you build wealth, and what impact lifetime events may have on them.
  • Retirement planning: we determine what your lifestyle needs are in retirement, how this can be funded using transition to retirement and account based pensions, and determine eligibility for social security pensions and allowances.
  • Superannuation: we provide options for managing your investments in superannuation, using retail wrap platforms, industry super funds and self-managed super funds (SMSF), and incorporating insurance funded through super.
  • Risk management – Insurance: we conduct a complete insurance needs analysis based on your individual circumstances, and provide tailored recommendations on Life, Total Permanent Disablement, Income Protection and Trauma cover to ensure your health, wealth and your family’s financial security is protected.
  • Investment advice using managed funds and direct shares: we provide advice on investment strategies that are appropriate for your individual tolerance for investment risk, and what structures are appropriate for holding these investments.
  • Gearing strategies: we offer advice on investing using a combination of savings and borrowings for investors who have higher tolerances for investment risk.
For further information regarding our services offered and costs please contact us on
The information contained on this website is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek the appropriate financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.

The advisers of Carey Financial Pty Ltd can provide financial services as Authorised Representatives of Securitor Financial Group Ltd, ABN 48 009 189 495, an Australian Financial Services Licence holder (No. 240687). Securitor was founded by advisers in 1986 and quickly established a reputation for innovation and technical excellence. Securitor provides dealer services to more than 400 financial advisers across Australia, managing more than $10 billion for over 70,000 clients. Securitor is a member of the BT Financial Group, a subsidiary of the Westpac Banking Corporation Group of Companies.

Carey Financial Pty Ltd is an authorised representative of Securitor Financial Group Ltd and provides financial planning services for superannuation, managed investments, personal risk insurance, shares and self managed superannuation fund investment advice.

Your advisers may offer you services through Carey Financial Pty Ltd and Carey Accountants Pty Ltd which are each separate businesses.

Although the same Adviser may offer you services under the above businesses, each business is solely and separately responsible for the advice they each provide. In particular, Securitor is only responsible for the financial planning services for superannuation, managed investments, personal risk insurance, shares, and self managed superannuation fund investment advice provided by Carey Financial Pty Ltd.

This information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, you should consider whether the information is appropriate in light of your particular objectives, financial situation and needs.