Graham Financial

Graham Financial is a locally owned boutique financial planning practice based in Toowoomba, Queensland, for over 30 years and trusted since 1985. It operates under its own Australian Financial Services Licence (AFSL) #327520 and is classed as an approved Financial Advice Association Australia (FAAA) Professional Practice. The partners and principal advisers are Ben Graham and Martin Webb, who hold the Certified Financial Planner® Practitioner designation.

Graham Financial's authorised representatives are Ben Graham, Martin Webb and Jody Dening. Ben Graham and Martin Webb specialise in helping people prepare for retirement and those already in retirement, while Jody Dening specialises in aged care and personal insurance advice. The practice's values are Trust, Competence, Honesty, Fairness and Diligence. It provides comprehensive, holistic financial advice tailored to clients' goals and circumstances.

Graham Financial supports clients in Toowoomba with superannuation and aged care planning, and the feedback gathered describes advice that is thorough, plainly explained and grounded in real confidence for the years ahead. Martin Webb is named repeatedly, with customers highlighting his helpful manner and the way complex matters are broken down into documentation that is easy to follow.

The wider team, including administrative staff, is described as professional and friendly, and this consistency from first contact through to follow-up stands out. One account explains how the firm clarified the financial steps involved in arranging care for an elderly parent, and another compares sorting out superannuation to a mechanic diagnosing a faulty car, a straightforward way of capturing the practical help received.

A theme running through several accounts is the restoration of trust after earlier experiences that left clients out of pocket and uncertain who to rely on, with the practice credited for guiding them towards taking responsibility for their own finances as retirement neared. Clients who returned after an initial period of hesitation describe being met with patience, and the outcome is a sense of security about the path ahead that they had not held before. Superannuation and aged care planning remain central to this feedback.