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The principals of GEM Capital have been providing financial planning services for over 20 years.  We are privately owned, free of any conflicts that may arise from institutional ownership.

We assist our clients with their financial planning needs through the provision of expert advice on:

  • Retirement Planning
  • Superannuation and Wealth Accumulation
  • Self Managed Superannuation
  • Investment Advice (including direct shares and managed funds)
  • Entitlements to Centrelink Benefits
  • Estate Planning
  • Personal Insurance


All of the advisers within GEM Capital Financial Advice are well qualified and are members of the Australian Financial Planning Association.

In addition to initial qualifications, our advisers complete a comprehensive training program each year consisting of courses from various financial training providers and funds management companies. A comprehensive daily reading schedule compliments this training program to ensure advisers knowledge is current to allow them to best advise their clients.

The specific areas of advice that we specialise in include:

  • Retirement Planning to generate a reliable Income Stream in retirement
  • Sensible Investment Strategies that may include investment into managed funds as well as direct investments such as Australian Shares
  • Maximising Centrelink Entitlements where appropriate
  • Minimising Taxation outcomes
  • Superannuation including Self Managed Superannuation Funds
  • Estate Planning
  • Aged Care
  • Personal Insurance such as Life Insurance, Income Protection and Trauma Insurance
  • Our advice is delivered in a variety of mediums tailor made to client preferences. The methods of communication include letter, email, SMS, DVD, CD and official functions.

As importantly our advice is backed by a team of well trained, friendly administrative staff who have been with our business for a long period of time and provide prompt, friendly and personalised service.