Financial Planning
Financial Planning is about you, the client, and looking after your best interests, so the most important part of my job is getting to know you, my clients, and understand your goals both before and throughout retirement. It is also just as important to understand the goals and objectives of your partner and your family.
I believe sound, experienced financial planning advice has the ability to improve the quality of your retirement and to ensure that it is successful and enjoyable.
I also firmly believe that sound, experienced financial planning advice has the ability to make a real difference and change lives.
While my primary focus is on understanding you, your objectives and your goals, it is then time to focus on achieving these goals. This is supported by my strong technical expertise, as evidenced when finishing in the Top 50 of Certified Financial Planners across Australia in the 2010 Australian Financial Review Masterclass examination.
Secondly, having worked for 22 of State Super Financial Services’ 26 years of operation, I am an expert in the NSW State and Commonwealth Public Sector Defined Benefit Schemes – SSS, SASS, Police, CSS and PSS. I am also a previously accredited SSS & SASS seminar presenter. Furthermore, I have a strong background working through Redundancies and developing Centrelink (Age Pension) strategies.
Frawley Financial Planning & Retirement Services is not just set and forget. Having planned in the retirement space for over 16 years, I understand that as you progress into and throughout retirement, life happens, and changes to your financial plan are required. Your goals and objectives change, and changes to your financial plan are required. Laws change, and changes to your financial plan are required. Because of this, financial planning is a continuous cycle whereby we sit down on a regular basis to review your overall financial strategy.
My objective is to get to know you, educate you and help you through these life changes and allow you to have the retirement that you have always desired.
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).
Contact Us
Relevant Articles...
Financial Potential in Your 40s: Preparing for a Comfortable Retirement
The forties are often considered peak earning years, presenting crucial opportunities to maximise financial gains while preparing for retirement. This decade is ideal for boosting superannuation contributions, taking full advantage of concessional contribution limits to enhance retirement savings. Ensuring comprehensive financial protection through life, disability, and critical illness coverage becomes more important than ever. Maintaining a healthy work-life balance not only improves mental health and life satisfaction but also supports better financial decision-making. Additionally, this is an opportune time to begin estate planning and considering wealth transfer strategies, ensuring assets are distributed according to your wishes while minimising tax liabilities for heirs. By focusing on these key areas, you can solidify your financial future and secure a comfortable, stable retirement.
Financial Strategies for Your 30s: Balancing Wealth Building and Responsibilities
Your thirties often bring more complex financial responsibilities, such as starting a family or purchasing a home, making this decade crucial for building upon early financial habits to ensure long-term stability. Balancing the costs of homeownership and family planning requires thoughtful budgeting and exploring available incentives. Optimising investment strategies becomes fundamental, with diversification across various asset classes helping to balance risk and potential returns. Efficient debt management, including paying off high-interest debts and exploring refinancing options, can lead to significant financial relief. By strategically managing investments, debts, and planning for family-related expenses, you can establish a robust financial platform that supports your growing family's needs and future aspirations.
Financial Fitness in Your 20s: Laying the Groundwork for a Secure Future
Your twenties are a pivotal time in your financial journey, offering the perfect opportunity to lay a robust foundation that will support your goals throughout life. Cultivating a savings mindset, such as automating savings into a high-interest account, helps build financial security. Enhancing your market value through skill development can lead to better salary negotiations, while avoiding high-interest debt and distinguishing between good and bad debt ensures financial stability. Investing early, even with small amounts, leverages the power of compound interest for long-term growth. By focusing on these key areas—savings, income building, debt management, and investing—you set yourself up for a financially sound future, avoiding common pitfalls that can hinder economic progress.
The Journey of Financial Planning: A Life-cycle Approach
The lifecycle approach to financial planning recognises that financial priorities shift from managing debt in early adulthood to wealth accumulation in mid-life and retirement planning in later years. By aligning financial strategies with your current life stage, you can create a more responsive and personalised plan that ensures financial stability throughout your lifetime. Whether you're just starting your career or approaching retirement, understanding and implementing a lifecycle approach can help you approach financial challenges more effectively and secure a comfortable future.