Finance and Debt Management
If you get your debt right, financial security will follow.
That’s why we make debt management a key part of your financial plan. It is one of the first things we look at for all of our clients.
Debt touches most things that we do. Few of us buy homes without taking on a mortgage, and even fewer can afford to make an investment without any debt.
But it is not just this ‘big debt’ that matters. There are other types of debt as well. Who doesn’t have a credit card (or three)? Or a car loan? Or even a HECS debt that needs to be repaid? Managing these debts properly adds significantly to your ‘bottom line.’ When you save money on debt repayments you free yourself up to move forward somewhere else. The money you save can be used to make extra super contributions, to seed an investment, to upgrade your home or just to do something nice like take a holiday or eat out a little more often.
And it is not just a matter of minimising interest. We help you ensure that your loans are structured properly, so that you can optimise everything else that debt touches. This includes things like tax deductibility, asset protection, repayment prioritisation and personal maintenance.
We can also provide credit services to organise home loans, investment loans, reverse mortgages, LRBA loans for SMSFs, credit cards and all other forms of debt. Our credit services are all provided under the authority of a licenced credit provider within the Australian Credit Licencing System.
Ben Frawley
Director | Certified Financial Planner
I, Ben Frawley, Certified Financial Planner and Director of Frawley Financial Planning & Retirement Services, have been in the financial services industry for over 35 years and financial planning for over 25 years, providing clients with sound, experienced advice that has enriched their lives.
Having grown up as the 5th of 6 boys and with a younger sister, I have learnt to communicate effectively with very different personalities from a young age, complemented by English & Linguistics, and Communications through my Arts Degree at Macquarie University. I believe communication is the key to effective financial planning.
Through my schooling, I held leadership positions at St Ignatius’ College, Riverview, and afterwards with North Sydney District Cricket Club and West Pennant Hills Cherrybrook Cricket Club, and Old Ignatians Cricket Club (Masters).
Upon completing my HSC in 1988, I worked with Macquarie Bank full time for 2 years and then part time through until the end of my Arts Degree in 1993.
I joined State Super Financial Services mid 1994, and by 1999 had worked hard and been promoted to financial planning, where I remained until 2008. I was then promoted to Regional Manager of the Penrith office. Here, I managed a team of 12 people and Funds Under Management of over $300M. I returned to Sydney as a Financial Planner in 2010 to continue my very successful financial planning career.
In 2010 I was in the Top 50 Australian Financial Review Masterclass examination of all CFPs throughout Australia.
In 2016, after 22 years, I left State Super Financial Services, and set up Frawley Financial Planning and Retirement Services, so that I can place greater focus on my clients and their needs, and place them first.
My three greatest passions in life are my beautiful family: my wife, Sue, and two boys Angus and Mitch; cricket and rugby.
Ben Frawley (2567740) and Frawley Financial Planning & Retirement Services P/L (25676937) are Registered Tax (financial) Advisers through the Tax Practitioners Board.
Ben Frawley is an authorised representative (1005939) of Focused Financial Advice P/L (AFSL 286219).
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