Professional Financial Advice for Three Generations
Sefton Financial

About Sefton Financial

Sefton Financial is a third generation financial planning business, servicing our clients for over 90 years.

We specialise in all aspects of Superannuation and Life Risk Insurance, enabling us to offer our clients the best available advice in both accumulation and pension phases of their life, life insurance management as well as advice on their estate planning needs.

It is our aim to have long term relationships with our clients, ensuring that we will still be here to provide you with advice long after you have retired. At Sefton Financial our focus is on the highest quality investment and insurance advice, built on three generations of experience in quality assured financial analysis, investment advice and client service.

We seek to understand our clients needs, aspirations and goals both personal and financial. Our advice is strategy focused, and not product based.

Our Beliefs

At Sefton Financial, our aim is to help you achieve financial success and peace of mind by providing you with a personalised financial strategy.

We strive to provide you with a plan that will create and protect your wealth over the long term, while dealing with your day to day financial needs and challenges.

We are committed to client service excellence and ongoing adviser education. We are qualified financial experts with the necessary experience to ensure the best financial outcome for you. Our quality financial advice puts you in control.

Sefton Financial

Our Approach

At every step of our process, we're focused on your financial journey. Discover how we can help you through quality advice and more than twenty years experience.

Superannuation & Pension Services

Understanding your Goal

At our first meeting we will discuss your current situation and life goals to understand how financial advice can benefit you.

  • Full understanding of current situation
  • Clear understanding of goals and objectives
  • Address any issues or problems which may impede the outcome
  • Understanding of attitude to investment risk
  • Outline a plan to meet your desired outcome.
Superannuation & Pension Services

Protect You

We will protect your family and your assets.

  • Provide financial stability in the event of death, disability or major illness to yourself, your spouse, your child or business partner
  • Understanding of your Estate’s beneficiaries to ensure your family proceeds are protected
  • Strategies to minimise investment risk volatility / tax minimisation.
Superannuation & Pension Services

Find a Better Way

We will work closely with you to implement your financial strategy step-by-step, so you can have as much control as you like, know where your money is going and why.

  • Investment asset allocation review and appropriate diversification
  • Determine appropriate ways to fund flexible insurance and savings plans
  • Flexibility, affordability and tax effectiveness
  • Technical and legislative support
  • Maximation of Centrelink entitlements
  • Fully researched Approved Product List.
Superannuation & Pension Services

Service & Review

Your strategies will be reviewed regularly and will benefit from our ongoing support and advice. We will stay in touch, ensuring your plan stays up to date as your life changes.

  • Ongoing relationship through good times and bad / you’re not alone
  • Demonstrate value of advice / value for money
  • Clarity on why and how advice will achieve your nominated goals
  • Revise the plan in the event of changes to objectives
  • Continually checking to ensure you are “on track”
  • Modify and amend the plan as necessary to get you “back on track”.
Sefton Financial
Sefton Financial

Client Testimonials

Disclosure: These clients have agreed to share their story. Everyone’s situation is different, so their choices and outcomes will be different to yours. Consider your circumstances before deciding what’s right for you.

Sefton Financial
Sefton Financial
Sefton Financial

Get in Touch

We'd love for you to get in touch and we welcome any enquiry that you may have.


Contact Details

Sefton Financial welcomes your enquiry. Get in touch with us today using the contact details below.

Fill in the form below and we will get back to you. For a more immediate response, please refer to our Contact Details.

© 2021 Sefton Financial. All rights reserved. Site by Planner Web.

Investment Advice


Investing your hard earned savings can be complex to manage and benefit from. There are many issues such as levels of risk, market timing, asset classes, and your own goals, objectives and preferences that need to be considered. Even getting started is difficult but this is where we have the time and expertise to help you.

Even after initial investments are made there are important issues that need to be addressed such as monitoring, buy/sell decisions, tax considerations, and when to take a loss or profit. In addition, there is a huge amount of investment information and spruiking that can easily lead you in the wrong direction with unwanted consequences.

Market volatility simply makes the situation harder and can often lead investors into emotive and rushed decisions. Having a proper investment plan is very important and the sooner you implement it the sooner you can grow your wealth. We can help you develop a financial plan and provide advice that will help overcome the issues raised above.

These include:

At Sefton Financial, we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

Financial Planning


General Advice

A financial plan will help you clarify your financial goals and aspirations, whilst taking into account potential milestones along the way, such as children, education, lifestyle and retirement.

We take the time to gain a full understanding of your current situation and determine your short, medium and long-term financial and lifestyle goals. Next, we assess the challenges that might slow things down and your attitude to risk.

Finally, we map out a detailed plan from first steps through to long-term strategies to achieve your objectives and work with you to optimise and manage your plan.

Sefton Financial can assist you with:

At Sefton Financial, we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

Superannuation


Superannuation is a tax effective way to save for retirement and for most of us, superannuation is one of the most long-term investments that we will ever make. Yet, keeping up to date with the constant changes to the legislative and regulatory environment is not always easy.

Sefton Financial can assist you with:

At Sefton Financial, we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work or call us directly on (03) 9431 3255.

Retirement Planning


Planning for your retirement

More and more people are realising that it is essential to plan well for their retirement.

It’s not just thinking about what to do with your money when you retire but how to maximise what you will have when you begin your retirement. To achieve this goal requires quality advice in the years leading up to retirement, the more the better. Time is needed if various strategies are to be implemented to make the most of your earnings in the pre-retirement period. The longer you plan for retirement and employ professional assistance then the greater the chances that your goal of a happy and prosperous retirement can become a reality.

Giving yourself enough time to plan your retirement is imperative but doing it right is even more so. There are many complex considerations to be managed and it is our job to ensure that your retirement goals and objectives can be met.

A wealthier retirement

Our approach to retirement planning is precise, methodical and generally involves:

To learn how we can assist you in planning for your retirement, contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

Aged Care Planning


Feel confident in your Aged Care decisions

At Sefton Financial we can help you make the right decisions to for the transition into aged Care and safeguard your wealth.

We evaluate your unique aged care needs and see exactly how we can help you ease the burden, minimise aged care fees and maximise social security benefits.

Aged care decisions begin with understanding the role that funds play in the future for you and your family. We are here to help you manage assets, expenses and estates to ensure your wealth is safe and secure.

Once we’ve helped establish your true financial position, we’ll determine what your aged care options are, and explain them to you in a clear and understandable way.

Sefton Financial can assist you with:

At Sefton Financial, we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

Personal Insurance


What is insurance?

Insurance is a form of protection – a way to protect yourself, your family and the things you own if something goes wrong. It enables you to replace or repair your assets, whether those assets are your belongings or your capacity to earn income.

Everybody’s circumstances are different, but insurance is important for everybody. Your need for insurance will change as you move through the different stages of your life.

There are many different types of insurance, and we can help you find the right level of protection for your needs.

What types of insurances are there?

There are many types of insurance. Car or home/contents insurance allows you to insure your belongings. Personal insurance policies enable you to insure yourself and your ongoing wellbeing.

Personal insurance provides protection against sickness, injury and death, and includes:

While insurance doesn’t remove the risk of something going wrong, it provides you and your family with protection and financial security if something does happen.

The amount of insurance you need is affected by:

We understand that it can be difficult determining the type and level of cover you might need, let alone choosing an insurer. We can assist by helping you determine your needs and recommend an insurer that is right for you. Contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

James Sefton

Financial Adviser (AR No. 236025)

With 30 years experience in the financial planning and insurance industry, James has helped a range of people with different aspirations both in their working life and retirement. James is a third generation adviser, drawing on 90 years of experience from his father and grandfather in the financial planning and insurance industry.

As a qualified financial planner, James helps people in the following areas:

  • Preparing for their retirement
  • Ongoing Retirement and Investment review and advice process
  • Superannuation
  • Maximise entitlements to Centrelink benefits
  • Insurance plans for Personal and Businesses, i.e. Income protection, Life Insurance and Trauma Cover
  • Estate planning needs
  • Wealth Accumulation, tax effective salary management
  • Aged care

Qualifications

  • Diploma of Financial Planning
  • CERTIFIED FINANCIAL PLANNER®

Interests

James enjoys four wheel driving and camping and is an avid Geelong Football Club supporter. He also enjoys a hit of tennis and spending time with his wife and two children.

Hjalmar Ronngard

Associate Adviser & Paraplanner

With experience across all areas within financial planning, Hjalmar has operated in all capacities across multiple roles. Hjalmar comes from a background in finance, having studied Financial Management and continues to value learning opportunities as they come.

Hjalmar takes an honest, considerate approach to providing financial services to our clients and is someone you can depend on.

Qualifications

  • BBus (Financial Management)
  • Diploma of Financial Planning
  • Advanced Diploma of Financial Planning
  • Self-Managed Super Funds Certificate Holder
  • Commercial Law Certificate Holder
  • Ethics & Professionalism in Financial Advice Certificate Holder
  • Passed FASEA Exam in 2020

Interests

A real renaissance man, Hjalmar enjoys learning about History, Geography, Economics, Personal Finance among other subjects. As a proud father, he enjoys spending time with his young family at every moment possible.

Leonie Cowan

Paraplanner

Leonie has worked in the Financial Services industry for over 20 years and has experience in all areas of Financial Planning.

Leonie enjoys working with the Sefton Financial team to help provide our clients with quality advice.

Qualifications

  • Advanced Diploma of Financial Services

Interests

Leonie enjoys 4WDing, camping, fishing and gardening.

Sandra Sefton

Client Services Administrator

Sandra has worked at Sefton Financial since its commencement and has over 25 years of experience working in the financial services industry.

Sandra enjoys liaising with clients, oversees daily operations of the business, offers exceptional support to the team and is usually the first and last person you will see when visiting Sefton Financial.

Interests

Sandra enjoys cooking, camping, spending time with her family and relaxing with she can.

Testimonials

Disclosure: These clients have agreed to share their story. Everyone’s situation is different, so their choices and outcomes will be different to yours. Consider your circumstances before deciding what’s right for you.

Get in Touch

We'd love for you to get in touch and we welcome any enquiry that you may have.

Fill in the form below and we will get back to you within 24 hours. For a more immediate response please refer to our Contact Details.

Useful Links

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Email is very convenient in our business world, there is no doubting that. However email messages and attachments can be intercepted by third parties, putting your privacy and identity at risk if used to send confidential files or documents. Secure File Transfer eliminates this risk.

Login to Secure File Transfer, or contact us if you require a username and password.

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.