Need Financial Advice in Townsville?

It is common for most of us not to realise just how important planning our current finances and for our financial future is to our overall well-being. Our financial health is determined by just how prepared we are and planning for any unexpected life events. The assistance of a professional financial planner gives you the upper hand in controlling your finances and getting the most out of your money and investments. At Growth Financial it is our passion to assist everyday Australian find their perfect match and help take the first steps to their secure financial future.

Fenton & Associates Financial Advisors


Our advisers do not recommend: Investments with high fees or complicated fee/commission structures.

We have never taken commissions on the placement of investments, rather, we have always believed that fees should be based on the complexity of advice, not on the amount a person has available to invest.

This latter arrangement usually results in high fees that bear no relevance to the advice provided - it is in fact so inappropriate, it was outdated on 1 July 2012.

We have a prudent, conservative approach when it comes to selecting investments for our clients.

Before recommending any investment, we undertake a rigorous research process. It is paramount we fully understand the investment. Testament to this process is our track history - we have never recommended any failed investment scheme - no Trio, Fincorp, Westpoint, Bridgecorp, or Elm, to name but a few.

Nor have our clients been advised to aggressively borrow to invest in shares or other schemes.

Ongoing review

Planning for your financial future and well being is not a 'set & forget' arrangement.

It's important we ensure the strategies employed for you remain appropriate, are changed as required, and that your investments and insurance arrangements remain consistent with your objectives.

There will be occasions when your personal circumstances change, legislation changes and your investments & insurances require review.

In addition, we take the worry out of managing your financial future by taking care of the detail and guiding you along the way. For example:

When we are notified of alterations to your investments & insurances, such as fee revisions or changes to a fund manager's activities, we will assess the impact of these changes for you and provide recommendations where appropriate.

With the ever changing legislative landscape, the best strategy today may not be suitable in the future. When changes occur we identify if you will be affected, and if so, we assess the impact on you and provide you with the necessary advice to ensure you are best positioned to adapt to the changes.

When you approach certain 'life stages' such as the attainment of Age Pension age, we will assess whether there are strategies available to secure entitlement to Centrelink income support payments and/or concession cards.

In preparation for a future need for residential aged care (whether for you or a parent), we will help you to analyse your options, and to identify the strategies available to you that can help with minimising costs.

Finally, when you or your family are faced with death (again, whether it be you, your partner or another family member), you will have the security of our established relationship and expertise to fall back on.

We will help you manage the tax issues associated with the death of an investor, as well as identify and implement strategies that will allow your beneficiaries to move forward in good financial shape.

Given the variables associated with investment, government legislation, the economy and life in general, you will find that we will be actively working on your behalf while ever you employ us.

The process

Following your initial consultation, your adviser will ascertain if we are able to help you and improve upon your financial future. If so, we will provide you with an Advice Proposal that will specify the scope of advice to be provided and the associated cost.

If you would like us to proceed on that basis, we then prepare the Advice Document (known as the Statement of Advice) and we arrange a further consultation with you for presentation of our recommendations.

If your Statement of Advice includes recommendations that require implementation and you wish to proceed, we will assist you throughout this process.

Our Statements of Advice are tailored and comprehensive. We do not provide generic, low quality advice.

Your Statement of Advice will detail the ongoing service arrangement appropriate to your circumstances, if required, and will specify our ongoing fee for this service.

Our ongoing services are also tailored to your circumstances. You pay us an ongoing fee for the specified services we provide.

We believe that becoming a client of Fenton & Associates is a two way process. It is not only important for clients to be comfortable with our approach, it is equally important for us to ensure the clients we take on have the same philosophical approach.

If it is your preference to behave speculatively and chase high risk strategies, it is likely you will not be suited to us.

Dear Paul,

This testimonial is written in the sincere wish that others may not make the same mistakes that I made in respects to financial advice. After working for the same company for thirty-two years, it announced sudden closure, throwing three hundred employees into turmoil; I took a conservative line, choosing a very large well-established firm for investment advice.

All seemed well for the first few years. In the short time I was with them my adviser was changed four times. I discovered that they were using franchised advisers that were more interested in their commission than service to me, with the heavy undisclosed service fee being charged reducing my planned income stream considerably.

A friend recommended I see his financial planning adviser "Mr Paul Fenton". It was Paul that pointed out the cost I was incurring with the previous plan, and with a no pressure talk he explained a strategy that my wife and I could take to early retirement, including the Centerlink benefits for the two of us. Being once bitten I cautiously ventured into the recommendations that he described. Over the three consultations he conducted the entire strategy was explained and we were able to significantly better our financial position and most of all feel confident in our adviser. Having his office in town I have been able to get instant advice on our financial plan at short notice, and have been completely satisfied with the service that we have received from Fenton & Associates.
- Don Matthew

Lighthouse Financial Advisors


What we do

At Lighthouse Financial Advisers Townsville we take a straightforward approach to retirement planning for people over 50.

We work with people to

  • Determine how much you need to retire comfortably.
  • Develop a plan to get you there.
  • Help keep you on track.

​We keep our approach simple, on purpose.​ We believe it is our role to assist you maximise your retirement by ensuring you have enough to retire and lead the lifestyle you choose.

We also believe that you should feel confident with the process of retirement planning, so you spend your final working years enjoying life and not worrying.

By being open, transparent and down to earth, we'll give you the confidence to know you're on the best path for your circumstances and your life.

What our clients say

Meet Cathy and David.
David and Cathy were like most Queenslanders: they wanted to plan for their retirement, but with two kids negotiating big (and expensive) life events including overseas study and weddings, there always seemed to be another priority!

“Cathy works as an oral health therapist, and I work with a local engineering consulting company, so we had a good base to work with” explains David, “but we had never sat down with someone to discuss a firm plan for our money.”

In addition, David and Cathy had a couple of negative experiences with financial planners who worked for the big banks.

“Right from the first meeting, we were impressed by the quality of advice from Michael and Lighthouse” says David.

“Lighthouse worked really hard to understand our immediate situation and needs” explains David.

“At the time that was two kids at university overseas, with weddings in the near future that we wanted to be able to help out with” he goes on to say.

Michael worked with David and Cathy to customise a financial plan that suited their individual goals including allowing for big life events including their children's weddings and study commitments.

“Our goal at the beginning of the process was to maintain our existing lifestyle and be able to help our kids into adult life as much as possible” says Cathy.

“With the help of Lighthouse Financial Advisers, we were able to do that. On top of that, we have plans for two great holidays before we retire at 65 that we probably wouldn’t have without the forward planning we did with Michael” she goes on to say.

“For us, one of the biggest positives about working with Lighthouse are the fact that we actually look forward to our regular check-ins with the Michael and the team. He even sends out regular emails about what is happening in the news, and how that does or doesn’t affect our retirement plans, which is an amazing level of personal service”
- Cathy and David 


How financial planning works:

Financial Planner TownsvilleWhatever you desire for your lifestyle or whatever your goals may be, the success of any goal in life requires a well thought out and tailored plan, especially when it comes to your finances. Professional and expertly organised and executed financial planning has seen many clients reach their ultimate goals where once seemed impossible to achieve. Through innovative yet proven strategies, expert financial planning will assist you in not only discovering your specific, personal financial goals but also work with you to help you build a pathway to achieve them. Making complex matter a lot more straightforward for our everyday Australian clients, you will have the confidence you need to make the right decisions to benefit your short and long term goals for many years to come.

How to get started:

While it may be daunting at first to invest in a professional financial planner, the long-term results will soon prove why seeking this valuable advice was the best decision in securing your financial future and freedom. At Growth Financial, the selections we make for our clients are carefully hand picked, always keeping you and your requirements at the forefront of our minds. By clicking on the ‘Get a Free Quote’ button above you will be provided with specially chosen Financial Planners in your state so you can take the first step to ensuring your financial freedom and control.

Why seek out financial advice?

Most of us just do not have the time to dive deep into fully understanding everything impacting our financial future and as this process can be extremely time-consuming and difficult to wrap our heads around we often find ourselves not knowing what you should do to ensure a better financial situation. Professional financial advice and solutions will give you the reassurance and peace of mind that you are making the best possible decisions for your current financial situation and for your future. They will assist you in navigating difficult financial situations and decisions no matter how big or small the matter may be as well as arming you with the valuable advice so you are able to make the most your of your hard-earned dollars.

Benefits of having a financial planner?

Investing in a professional, expert financial planner pays off exponentially in the long run. Imagine being able to have the financial freedom and security you have always dreamed of and the peace of mind that you have a professional in your corner, with your best interests in mind to assist you in making the right choices for you and your loved one. The advantages of hiring a professional financial planner are:

  • Determining and defining your financial goals
  • Creating an individual plan and pathway on exactly how to achieve your goals
  • Providing proven strategies to secure your financial future
  • Specific and effective retirement plans
  • Advice on how to get the most out of your superannuation
  • Assistance in the management of budgets, savings and debt


At Growth Financial, we are committed to finding you the right financial planner to suit you and meet all of your needs while providing expert advice to help you achieve the goals that you deserve. Connect with the best financial planner Townsville today.