Frequently Asked Questions

What qualifications does my planner have?

Your Financial Planner will be Geoff Pacecca, Managing Director and founder of GAP Financial

His qualifications include:

  • Master of Commerce (Financial Planning)
  • Master of Business Administration
  • Certified Practising Accountant
  • Graduate Diploma in Accounting
  • Bachelor of Economics


Our Pricing Guarantee

We offer a pricing guarantee that our investment products are commission free and that any fee charged to you or your investments is fully disclosed and will only be charged with your full consent.

Our pricing is transparent and backed up with a clear explanation of what the fees are for.

This way, when it comes to choosing products our decision is simple — to give you access to great products that we believe will assist you in achieving your financial goals.


Do you receive any commissions?

No. We do not receive any commissions from any source on the investment products we recommend. In line with industry standards, if a personal insurance product such as Life Insurance or Income Protection is recommended, the product provider usually pays a commission. If this is the case, this will be fully disclosed in your Statement of Advice.


Is GAP Financial tied to a bank or incentivised to use specific products?

GAP Financial is a privately owned business, but as with many financial planning firms, we do not hold our own Australian Financial Services Licence.

We are Authorised Representatives of GWM Adviser Services Limited, a wholly owned subsidiary of MLC. Our decision to hold our licence through MLC was made to ensure our clients have the backing of large and trusted organisation which, in turn, provides our clients with the right support and protection. MLC also supports GAP Financial with essential services and resources to ensure you receive the best possible financial advice.

Whilst GWM Adviser Services Ltd and MLC are members of the National Australia Group of Companies – GAP Financial does not receive commissions on investments / incentives, this way you have comfort in knowing that our product recommendations are in your best interests at all times.