Business Details
18 Years
experience
Trusted Financial Advisers in Caloundra
Garden Financial Services is a family-owned business established in 2008, dedicated to providing comprehensive financial advice tailored to clients' life stages. Our team of experienced professionals specialises in retirement planning, aged care, estate planning, and risk management, with a focus on practical, jargon-free solutions. Led by Managing Director Gavin Williams, a former farming and trade professional, we combine industry expertise with a client-centric approach to help individuals maximise their financial resources.Our Practice Manager Kaylee Garden brings extensive international finance experience, ensuring rigorous analysis and strategic guidance. We serve clients across the Sunshine Coast and Brisbane, prioritising transparency, integrity, and long-term financial security.
Services
Retirement Planning
Savings Plans
SMSF Establishment
Superannuation Management
Risk Management
Estate Planning
Aged Care Advice
Tax Strategy
Financial Planning
Mortgage Broking
Details
- Year established: 2008
Highlights and features
- We offer 16+ years of experience in retirement and aged care financial planning since 2008.
- Our team includes specialists with international finance industry backgrounds.
- We provide Centrelink/DVA-compliant strategies for aged care funding solutions.
- Practical, jargon-free advice tailored to individual financial circumstances.
- Comprehensive SMSF establishment and ongoing superannuation management services.
What people say
Expert retirement planning
Compassionate aged care advice
Practical financial strategies
Transparent communication
Long-term financial security
Services
Retirement Planning
Developing tailored strategies to achieve retirement goals through budgeting, investment planning, and government benefit optimisation. Our specialists help clients navigate Centrelink entitlements, superannuation preservation, and tax-effective withdrawal strategies. With practical advice, we ensure clients can maintain their desired lifestyle during retirement years.
Aged Care Advice
Guiding families through complex aged care funding decisions while maintaining government support eligibility. We specialise in asset protection strategies, accommodation payment structuring, and pension impact assessments. Our approach simplifies decision-making during emotionally challenging times, ensuring appropriate care access without unnecessary financial burden.
SMSF Establishment
Assisting clients to establish and manage self-managed super funds for greater investment control. We develop tailored investment strategies, ensure regulatory compliance, and coordinate with administrators. This service suits clients seeking direct property investments or customised superannuation solutions with ongoing professional management support.
Estate Planning
Creating comprehensive plans to manage asset distribution while minimising tax liabilities. Our services include wills, enduring powers of attorney, and beneficiary tax planning. We address complex scenarios like blended families and business succession, ensuring clients' wishes are legally protected and tax-efficiently implemented.
Risk Management
Assessing protection needs through life, TPD, trauma, and income protection insurance solutions. We evaluate clients' financial obligations and lifestyle requirements to determine appropriate coverage levels. Our ongoing reviews ensure policies remain aligned with changing circumstances, providing peace of mind against unforeseen events.
People
Gavin Williams
Managing Director
Diploma-qualified financial planner specialising in retirement and aged care since 2008. Combines practical farming background with financial expertise to deliver accessible advice. Holds Diploma of Financial Services (Financial Planning) and Diploma of Financial Markets and Business Management.
Kaylee Garden
Practice Manager
Former Vice President at PIMCO with 7+ years managing institutional relationships. Holds Commerce Honours degree, Graduate Diploma in Applied Finance, and Financial Planning Diploma. Oversees operational excellence and client service standards across the practice.
Mark Cann
Financial Planner
Certified financial planner with Advanced Diploma qualifications. Focuses on developing comprehensive wealth management strategies for clients at all life stages. Specialises in translating complex financial concepts into practical, actionable plans.
Rosie Cunningham
Client Service Officer
Experienced client liaison providing administrative support and initial financial guidance. Ensures smooth client onboarding and maintains ongoing communication between clients and planning teams.
Questions
What financial services do you specialise in?
We specialise in retirement planning, aged care funding, SMSF establishment, estate planning, and risk management tailored to individual needs.
How do you assist with aged care financial planning?
We provide Centrelink/DVA-compliant strategies to optimise aged care funding while maintaining eligibility for government support.
Can you help first-time investors?
Yes, our team guides clients at all life stages, including developing savings plans and investment strategies for new investors.
Do you offer ongoing financial management?
We provide continuous portfolio reviews and strategy adjustments to ensure long-term financial goals remain on track.
How are tax implications addressed in your advice?
We explain tax considerations for all strategies, though recommend consulting accountants for specific tax return matters.
