Budgeting & Debt Planning

Gurney Financial Services works together with our clients to put control back in their hands and assist them with financial freedom. Whether it is setting up your first budget, organizing a debt reduction plan, or negotiating with creditors; we specialise in assisting you with individual and confidential service.

Wealth Creation

Gurney Financial Services specialises in working with individuals and families in building their wealth. By working together to understand your needs and wants, we can clarify your goals and build strategies and solutions towards assisting you to meet them. Starting with finding your lost superannuation, consolidation of superannuation and/or management and correct investment of superannuation. We can also assist in implementing investment savings plans.

Wealth Protection

Gurney Financial Services prides itself by working with individuals and families to protect themselves, their income, and their lifestyle. Individual protection strategies to cover mortgages,, lifestyle and income can be implemented affordably. Protection via Life Cover, Total and Permanent Disability, Trauma, or/and Income Protection.

Family and Lifestyle

Gurney Financial Services understands the financial stresses put on families due to accidents, sickness and even death. The loss of income or mounting debts is something, no of us want in our lives.


Gurney Financial Services can assist individuals and families, so that the heartache of the loss doesn’t mean they lose everything else as well. By putting in place strategies to protect income whilst off sick or injured, this can assist in the payment of monthly mortgages, and debt repayment. Or, putting in place strategies to cover debt, so that if you were to pass away, the mortgage and debt are paid off, and your family doesn’t lose the family home.


Maybe you want to increase your wealth through superannuation, and we can work together to put in place strategies for building wealth. This may be through salary sacrifice, or, personal pre or post contributions, or even spouse contributions.


Estate Planning is a growing concern for many individuals and families. Many people are dying without a nominated beneficiary or even a Will. Families are now made up of second and sometimes third marriages, which often involves blended families. This is where estate planning needs to be considered, and to make sure your financial affairs are in order. Ensuring that your nominated beneficiaries are up to date on your superannuation and insurance is a step towards making sure everything is in order. 



Starting Out – whether it be starting out with your first superannuation plan, or location of lost superannuation, maybe even consolidation of numerous superannuation plans, Gurney Financial Services can assist you. We specialise in implementing strategies to invest your money accordingly and appropriately. 


Setting up together – Maybe you have moved in together, married, or bought a house. Now is the time to update your beneficiaries, your Will, and even your name and address. Maybe it would be beneficial to put in place some protection strategies to cover your mortgage and lifestyle. That’s where Gurney Financial Services can assist you. 


Family Time – The children have come along, and costs are going up. Maybe you need to increase your protection strategies to cover the children, a new mortgage or even an investment property. You could now investigate whether to implement salary sacrifice or wealth creation strategies. Is it time to sit down with Gurney Financial Services to review what you have?


Pre-Retirement – Looking to build wealth? Maybe salary sacrifice or even spouse contributions, maybe tax planning? This is where sitting down with a qualified financial planner can assist you.


Retirement – This is the time to decide whether to pay off the home, maybe buy a caravan or even travel the world? Have you thought about your goals, maybe it is downsizing or spending time with the grandchildren? These are all your dreams, now that you have retired. But, the wages have stopped, and all you have is your superannuation. Do you need an allocated pension? Centrelink? Funeral Plan?  It’s times like these to sit down with your financial planner and discuss the best strategies for you to achieve your desired outcomes.


Aged Care – Gurney Financial Services can meet with you and your family, as well as liaise with Centrelink and the Aged Care Facility, to ensure the right outcome for your loved ones.

About our company

Gurney Financial Services was established in 2005 by Tarnia Gurney.
Tarnia Gurney is an Authorised Representative of Gurney Financial Services Pty Limited, and is licensed through Sentry Financial Services Pty Limited.
Tarnia holds a Diploma in Financial Planning, an Advanced Diploma in Financial Planning, Diploma in Margin Lending, a Diploma in Self Managed Superannuation Funds,  and a Certificate in Management

Who We Are

Gurney Financial Services was created in 2005 with a vision to assist the local community in making informed decisions on their financial freedom via education and personal service

Our Mission

Our purpose is to serve our community by assisting them in protecting themselves and their families.

Our Vision

Gurney Financial Services provides our clients with professional advice which empowers them to make informed decisions.


By understanding your needs and wants, we assist you in determining your goals for the future. We then work together to clarify and build your goals. We create solutions for debt management, wealth creation and wealth protection.

Keep in touch

For a complimentary appointment, please contact our office.

Our Address

Suite 18 / 219 Main Road, Toukley NSW 2263

Email: admin@gurneyfinancialservices.com.au

Phone: 02 4396 3007