Phone 02 4905 0250

Grace Financial Services provides you with professional financial planning advice. Find a financial adviser with a positive difference at Grace.

A financial adviser to show you the way to financial fitness and freedom

• An honest evaluation of your present financial position and needs

• Good advice on the best financial planning solutions

• Full implementation, placing your investments

• Home loans, investment loans, commercial lending and personal loans put in place when appropriate

• Enablement for you to grow in your investment knowledge and abilities

• Tools are provided to make managing your finances easier

• Simple fee for service structure, affordable for the average person

• Always in your best interest. That's our focus.

Click on icon to download 8 page pdf brochure (1.2 mb) providing an informative presentation of the qualifications and services provided by Grace Financial Services.

Grace Financial Services for financial advice and investment planning

about us

You can depend on the professional financial advisers at Grace Financial Services.

why choose Grace?

Financial planning services with a difference!

• Affordable financial plans for ordinary people

• Christian ethics and a culture of empowerment

• Ease of access: our office, phone, email or video link

• Your 'one stop financial shop' where we cover everything from superannuation to insurance and home loans

James sees to it that Grace Financial Services provides professional financial advice with professionalism in the clients best interest

Our director: James Massey

• Former automotive engineer

• Over fifteen years of financial planning experience

• Author of several eBooks re. financial affairs and Christian living

• Qualifications include: Bachelor of Mechanical Engineering, Master of Divinity, Graduate Diploma of Financial Planning and a Cert IV in Finance and Mortgage Broking

• Registered Tax (Financial) Adviser

• SMSF and listed product (shares, bonds, etc.) specialist

• SEQUAL qualified for Reverse Mortgages (Equity Release)

• Senior Associate of the Financial Institute of Australasia

• Certified Advisor, Property Investment Association of Australia


For more details about Jim and the services he provides, download our Financial Services Guide (592 KB)

Christian ethics and values guide Grace Financial Services in providing financial planning advice and plans

Our values

• Integrity and honesty are foundational essentials

• Our success comes only when you have achieved yours

• Risk must be managed prudently – no get rich quick schemes

• Clear communication is essential – we first listen and seek to understand

• God watches all that we do, and we will all answer to Him one day

• Our responsibility is to know the facts. If there is something that we don’t know that you need to know, you will not be charged for our research. You only need to pay for the service.

• Generosity requires a degree of wealth, however, we are only custodians of that wealth. Everything we have ultimately belongs to God Himself.

• It is good and honourable to generate wealth by legitimate means.

Full range of financial planning services with flexibility

Get what you need, when you need it!

Fully flexible services promoting financial fitness and freedom. Our fee for service structure delivers benefits to you with our interests aligned to yours.


Grace Financial Services gets the job done. Financial plans and advice are produced for good financial planning outcomes


• Life insurance (most major insurers available)

• Total Permanent Disability

• Income protection / salary continuance

• Critical illness / trauma

• Allianz home & contents insurance

• Allianz renters & landlord's insurance

• Allianz motor vehicle insurance


• Shares / stocks & bonds

• Individual or professionally managed portfolios

• Managed funds

• Capital protected investments

• Structured investments

• Investment property referral & advice

• Fractional property


• Self-Managed Super Funds

• Retail funds with managed investments or direct shares

• Low cost superannuation funds

• Full feature insurance options

• Lost super found

• Superannuation funds consolidated

Tax management

• Tax effective investments

• Negative and positive gearing

• Tax saving superannuation strategies

• Tax free retirement income

• Tax efficient retirement strategies

Home Loans

• Interest rates and features compared

• Loan comparison provided for the products with the lowest overall cost over the life of the loan

• Loans available from a wide selection of banks & lenders

• Discounts on fees and interest rates often available

• First home buyers

• Refinance, purchase or new home construction

Investment Loans

• Investment property loans

• Using home equity for shares & other investments

• Negative, neutral and positive gearing


Personal Loans & Leasing

• Car loans

• Caravan, RV and boat loans

• Tax effective novated leases


Business Loans & Leasing

• Borrow against home equity for business purposes

• Commercial property loans

• Equipment leases


How can Grace help you?
Click above to view video

You have the questions, we have the answers. Many typical financial planning matters are dealt with here. If you don't find the answer in our blog (click the arrow above), call us or complete the contact form below and we will respond with an answer.

Your questions answered


Your financial questions are answered by your adviser at Grace Financial Services

money management and more

Budgeting, life insurance, investing, and superannuation are just the beginning!

Financial planning is a lot more than getting prepared for retirement. We assist you in managing life risks and your family cash flow. Investing in shares, managed funds and property are made easy and understandable with Grace. Self-Managed Super Funds and other superannuation options are made possible with help from Grace Financial Services!

Financial  planning
services make a difference


Transition to Retirement


Personal insurance

Income protection, life, trauma & disability insurance

Cash flow management

Budgeting for lifestyle and other goals


Salary sacrifice to super and other strategies to optimise benefits

Tax management

Paying only the tax required, turning tax into investments

Investment growth

Wise investments not get rich quick schemes

Kids' financial training

Win-win family financial outcomes as you "pass the baton"

Home loans, investment loans and personal loans

Bank loans and other lending products compared so that you get one that is truly suited to your needs and objectives

Estate planning

Now is the time to get your will and powers of attorney in order

Grace Financial Planning provides the plans and advice that families need
Grace Financial Services will help you to achieve your investment retirement and lifestyle goals

Salary packaging

Novated leases and other tax effective salary package options

Salary sacrifice to super

Tax effective ways to build your superannuation

Self-Managed Super Funds

Establishment, ongoing administration and strategies

Direct geared property investments within a SMSF

Pre-retirement pensions

Turning tax into retirement benefits

Family trusts

Multi-generation investing to benefit family groups and charities

Estate planning

Time to double check your will and other estate planning matters. Make sure your estate isn't sucked up by taxes and fees, and that it goes to the right ones!

Property investments

Strategies for entry and exit

Generating ongoing passive income streams

Research and advice for investment property selection

Investment loans

Tax management

Utilising surplus cash flow to maximise investment growth

Retirement can be comfortable if you plan ahead with quality professional financial advice from Grace Financial Services

Retirement income streams

Setting up your retirement income with minimal fees or tax

Maximise Centrelink benefits

Optimise retirement income and benefits from all sources

Managing risk

Avoid risky investments and consolidate your benefits

Estate planning adjustments

Avoid paying additional tax associated with adult beneficiaries

Leaving a legacy

Consider making a difference for eternity

contact us

get in touch with a financial planner

Complete the form below or call us today!

Have a chat with us about your needs and goals. Find out how easy it is to chart a new direction for your life!

We can meet with you in our Toronto NSW offices or by phone, Skype or Facetime.

Financial plannning and advice from Toronto and Newcastle NSW

find us

Office location


Suite 3 - 35 The Boulevarde

Toronto NSW 2283
South of Newcastle on the west side of Lake Macquarie



Phone 02 4905 0250

Fax 02 4905 0251


Please phone for an appointment

or complete the form below

Financial planning services are accessible with Grace Financial Services in Toronto NSW near Newcastle and the Central Coast

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James Massey and Grace Financial Services Pty Ltd

Authorised representatives of

HNW Planning Pty Ltd

Australian Financial Services Licence number 225 216  
Australian Credit Licence number 225 216



Information or advice provided on this website is general in nature and does not take into account your investment objectives, financial situation, particular needs or risk profile. All of those matters are very important in making decisions about financial products, even of a general nature. With or without the assistance of a licensed representative, you should consider whether any advice received is appropriate in light of your particular investment needs, objectives and financial circumstances. We recommend, therefore, that you make an appointment with a financial adviser to receive personalised advice prior to making any investment or financial product decision. You should also obtain a relevant Product Disclosure Statement for any financial product being considered and read it.


Grace Financial Services Pty Ltd seeks to keep this website updated, however, information can change without notice, so you should discuss any matters that concern you with your financial adviser to get up to date information. Neither Grace Financial Planning Pty Ltd nor HNW Planning Pty Ltd guarantee the accuracy, completeness or reliability of information on this website, including information provided by third parties, at any particular time.


Except where any liability under statute cannot be excluded, Grace Financial Services Pty Ltd, HNW Planning Pty Ltd, and/or their employees do not accept any liability for any error or omission on this website or for any resulting loss or damage suffered by the recipient or any other person.


Unless otherwise specified, copyright of information provided on this website is owned by Grace Financial Services Pty Ltd and all rights are reserved.