Gardian Mackay

Mackay Born and Bred - 📩 11-13 Gordon St. - (07) 4957 7424

Financial Planning

Promotional image showing the words “Cash Flow” on a screen with financial icons such as arrows, graphs, and dollar symbols, representing budgeting and money management.

Cash Flow and Budgeting: The Foundation of Financial Success

Nicole Geisler

Financial Advisor

May 5, 2026

Graphic featuring a piggy bank with Australian banknotes, representing superannuation savings and strategies for building retirement funds.

Superannuation: How to Make the Most of Your Retirement Savings

Nicole Geisler

Financial Advisor

May 4, 2026

Comparison graphic showing fixed and variable home loan options, with a couple reviewing documents and key features such as repayment certainty, flexibility, and interest rate differences.

📈 Fixed vs Variable Home Loans: What’s Right for Mackay Buyers?

Ella Phillips

Administration Assistant

April 22, 2026

Promotional image showing Australian currency with the text “EOFY,” representing end‑of‑financial‑year planning, tax considerations, and financial preparation.

EOFY Financial Planning: Simple Tips Before 30 June

Hamish Rogers

Financial Advisor

May 4, 2026

Promotional graphic showing two people reviewing documents beside a model house, with text explaining deposit requirements, low deposit options, government assistance, and a “For Sale / Sold” sign for Mackay home buyers.

💰 The Deposit Myth: Do You Really Need 20%?

Ella Phillips

Administration Assistant

April 21, 2026

Promotional graphic showing a credit card alongside home loan messaging, highlighting how credit card usage can impact borrowing capacity and loan approval for buyers in Mackay.

💳 Can You Use a Credit Card and Still Get a Home Loan?

Ella Phillips

Administration Assistant

April 16, 2026

Graphic showing financial charts and upward and downward trend lines, representing market performance, interest rates, and investment insights.

Making Smart Financial Decisions During Global Uncertainty

Hamish Rogers

Financial Advisor

May 4, 2026

Promotional image illustrating the home loan pre‑approval process, showing property buyers reviewing documents with key considerations like borrowing capacity and conditional approval in Mackay.

🧾 Understanding Pre-Approval: What It Really Means for Mackay Buyers

Ella Phillips

Administration Assistant

April 14, 2026

Image of a group of professionals standing together in an indoor office setting, representing the Gardian financial planning team including Hamish Rogers, Nicole Geisler, Mel Johnson, Carmen Spratt, Adel Waldron

What to Expect in Your First Financial Planning Appointment

Nicole Geisler

Financial Advisor

May 4, 2026