KmacD Financial is a boutique, Non-aligned financial planner based in the north Brisbane suburb of Aspley.
Did you know?
The current Australian age of retirement is between 65 and 67,
yet in 2025 The Average of a retiree is 57.3
Source: Australian Bureau of Statistics
HOW WE HELP YOU
Retirement Planning
Investment Planning
Superannuation Planning
Insurance
Aged Pension (Centrelink)
Aged Care
Estate Planning
We work with people thinking of their long term financial future, providing strategies to help ensure you have the means to continue your lifestyle after you stop working full time.
We are also happy to provide a second opinion if you have already got a financial plan in place, have recently seen another financial planner, or you are simply unsure about a particular strategy or investment.
Our goal is to help you gain a well rounded approach to your financial future. It’s important to us that you feel informed, confident and positive about any plan we put in place with you.
SO WHAT DOES A FINANCIAL PLANNER DO?
A good financial planner will look at your current investments, superannuation, debts and assets to determine where you are now; as well as gain an understanding of where you’d like to be financially. They will then create a tailored plan designed to take you from Point A to Point B.
Ideally you would meet with your financial planner to review your plan at least annually, and at any time there is a change in your life, including:
Changing Jobs
Buying or selling a house
Children (birth, death, leaving the family home)
Relationship changes
Receiving Inheritances
Taking a severance/redundancy package
Moving to retirement
Significant injury or illness
Moving to aged care
By reviewing your financial situation and plans regularly, you can continue to ensure your financial goals are on track and make adjustments when necessary.
-
We’re often asked “What’s the difference between a Financial Planner and a Mortgage Broker?”
The simplest explanation is:
A Mortgage Broker assists you with comparing various lenders to gain finance for a property. They are focused on current lending criteria, your current borrowing capacity and your ability to service the mortgage.
A Financial Planner works with you on how to afford the mortgage, and then to service it both now and into the future.
-
Another question we’re commonly asked is “What’s the difference between a Financial Planner and an Insurance Broker”.
The simplest explanation is:
An insurance broker looks at your “risk” – what your position would be if you were to die, or to have a sudden illness or injury and be unable to work; what your position would be if your home/business/car was to be significantly damaged or destroyed, and determines what insurance you need to protect you and your family.
A financial planner also looks at your risk, however we do so with a view of your entire current and future financial situation in mind. We take into account your superannuation, investments, insurance, estate planning and financial growth when looking at what types of protection you need to protect all your assets.
who is kristy macdonald?
Hello! I’ve been an Authorised Representative (Financial Planner) since 2001. I established KmacD Financial to work with people who are actively looking towards retirement – or who are recently retired - and work directly with them to develop strategies aimed at affording the lifestyle they desire, once they leave the workforce.