Dreams and dedication are a powerful combination

- William Longgood

Welcome to GCR Financial

Financial Advisers, Wealth Managers, Finance & Insurance Brokers
Brisbane, Bundaberg, Tamworth & Norfolk Island

Advice without bias is advice in your best interest

Person parachuting through the mountains

Welcome to GCR Financial

GCR Financial is an Australian owned and operated family business. GCR is not owned or contracted by any bank, insurance company, fund manager or superannuation provider. We are an Australian financial advisory & services group. Being privately owned allows us to operate without institutional control, bias or restriction.

Advice without bias is advice in your best interest

Our Services

Learn more about the services that the team at GCR Financial can provide to you and your family or business.

Financial Planning Strategies

Includes strategies like budgeting, reducing debt, improving cashflow, and tax minimisation

Retirement Strategies

Includes strategies like preparing for retirement and earning an income during retirement.

Life Insurance

Your ability to earn an income is your greatest asset: we make sure it's adequately protected.

General Insurance

Helping you select the policies that are right for you. Includes personal and commercial insurances.

Superannuation & SMSF

Is a SMSF right for you? We can set up, manage and ensure compliance of Self Managed Super Funds.

Estate Planning

You want your legacy passed on as you intended. Our estate planning services include will assessment and succession planning.

Active Investment Management

We analyse the market and advise on which stock to buy and sell as the market moves, aiming to out-perform long term investment options.

Finance & Mortgage Brokering

For many people a home or investment property is a major investment. We will shop around and find the finance package that's best for you and your individual circumstances.

Underwriting Agency Services

GCR Financial Pty Ltd t/as GCR Underwriting Agency (AFSL/ACL 333543) has licence authorizations issued by the Australian Securities & Investment Commission (ASIC) which allows GCR to issue, apply for, acquire, vary or dispose of a financial product in respect of the following classes of financial products: General Insurance products.

Other services that GCR Financial can provide you with include:
  • Credit Activities other than as a credit provider – Mortgage & Finance Broking (incl. for personal & commercial purposes)
  • Basic Deposit Products & Non Basic Deposit Products
  • Government Debentures, Stocks & Bonds
  • Managed Investment Schemes including Investor Direct Portfolio Services
  • Direct Investment Financial Advice, Negotiating & Management (incl. Property & Businesses)
  • Investment Portfolio Construction & Management
  • Retirement Savings Accounts (RSA)
  • Securities (Equities & Hybrid Securities)
  • Taxation Planning & Structuring
  • Standard Margin Lending Facilities
  • Non Cash Payment Products
  • Managed Discretionary Account Services (MDA Services)
  • Derivatives limited to Options contracts
  • Taxation, Compliance & Accounting Services
  • Company & Trust Incorporation Services (incl. Asset Protection Advice)

Find out More on How We Can Help You

Gye Duncan
Gye Duncan

About Us

GCR Financial Pty Ltd (GCR) is a private, family owned Australian financial advice & services company.

GCR stands for Gye, Cara and Ruby. The Duncan family, which is Gye, his wife Cara & their daughter Ruby, has an intergenerational heritage in the financial advice & services industry, exceeding 50 years.

GCR is an ethical, people focussed, socially & morally responsible financial advice & services company offering a comprehensive selection of financial advice & services with specific emphasis on working for our clients with a focus on their best interest at all times.

GCR endeavours to create mutually beneficial scenarios that are sustainable for all stakeholders; our valued clients, our valued staff and the local communities GCR operates within.

In 2009, GCR was incorporated & secured its own Australia Financial Services & Credit Licence (AFS/ACL No: 333543) from the Australian Securities & Investment Commission (ASIC).

The Founder & Managing Director, Mr Gye E Duncan, with over 25 years in the financial advice & services industry, is well known as being a disciplined, focused, forward thinker with an uncanny flare to see & develop opportunities ahead of most

This ability has allowed GCR to deliver a pro-active style of advice & wealth management that offers many benefits to our clients.

Gye Duncan on LinkedIn

News & Resources

Read the latest from the GCR Financial news desk and enjoy our FREE financial videos and calculators.

Financial Planning News

COVID-19 resources - Jobkeeper, Victoria Stage 4 Update

COVID-19 resources - Jobkeeper, Victoria Stage 4 Update

 Several new links have been added to the many already in this article, links that date back to the beginning of the COVID-19 pandemic.  If you have any questions, or require further assistance, please send us an email or phone. 

Read More

JobKeeper - Latest Update

JobKeeper - Latest Update

 Treasurer Josh Frydenberg has announced that eligibility for JobKeeper 2.0 will now be based on single quarters, in light of the stage 4 restrictions facing Melbourne. 

Read More

Estate planning and investments

Estate planning and investments

 It's a question most of us ask eventually: what happens to our investments when we die? 

Read More

Pandemic spurs a rise in investment scams

Pandemic spurs a rise in investment scams

In the current low interest rate environment, an investment product offering low-risk, high returns may sound very tempting. 

Read More

Early release of Super extended to Dec 31

Early release of Super extended to Dec 31

 Superannuation fund members facing financial hardship have been given an extended window to access retirement savings under the early release scheme. 

Read More

Tools & Resources

Financial Videos

A range of informative and easy to watch videos on topics important to you gaining a better understanding of your financial future.

Access our Financial Videos

Secure File Transfer

Secure File Transfer is a facility that allows the safe and secure exchange of confidential files or documents between you and us

Access our Secure File Transfer

General Calculators

Powered by ASIC's MoneySmart, these FREE calculators can help give you direction and motivate you to achieve your financial goals

Access the General Calculators

Family living their dreams because of fantastic financial planning

Financial freedom is not a pipe dream or a state of mind. It's a reality if you are willing to pursue it and embrace it.

- Will Robinson

GCR Financial is here to help you turn your financial goals into a reality. Get in touch to start your financial journey.

Advice without bias is advice in your best interest

Contact Us

We'd love to get in touch and we welcome any enquiry that you may have.

Contact Details

Bundaberg Office Address

  • 91 Woondooma Street, Bundaberg West QLD 4670
  • (07) 4153 5212 (Local Bundaberg number)
  • 9:00AM to 5:00PM

Tamworth Office Address

Norfolk Island Office Address

  • 77 Taylors Road, Norfolk Island NSW 2899
  • 22270 (Local Norfolk Island number)
  • 9:00AM to 5:00PM

Postal Address

  • PO Box 1202, Oxley QLD 4075

Secure File Transfer is a facility that allows the safe and secure exchange of confidential files or documents between you and us.

Email is very convenient in our business world, there is no doubting that. However email messages and attachments can be intercepted by third parties, putting your privacy and identity at risk if used to send confidential files or documents. Secure File Transfer eliminates this risk.

Login to Secure File Transfer below, or contact us if you require a username and password.

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Privacy Policy Statement

GCR Financial Pty Ltd
AFSL 333543
ABN 61 133 869 182

April 2014

Our commitment

GCR Financial (GCR) recognizes that your privacy is very important to you – it is to us as well. We handle personal information provided by and about people every day. By personal information we mean information or an opinion about a person whose identity is apparent or can reasonably be ascertained.

The aim of GCR is both to support and to ensure that it complies with the National Privacy Principles (NPPs) that form the basis of laws introduced to strengthen privacy protection for the general public including its members. GCR also seeks to comply with the Spam Act that is aimed at reducing the number of unsolicited electronic commercial messages that you receive.

We believe that this Statement will address any potential concerns you may have about how personal information you provide is collected, held, used, corrected, disclosed and transferred. You can obtain more information on request about the way we manage the personal information we hold. If you seek any further information please contact us in one of the ways set out below.


In the course of our activities we collect and hold personal information of our clients. Our main purposes for collecting that personal information include to assess the financial needs and requirements of our clients, to update our records and for marketing purposes.

We will only collect personal information from you that is necessary to assess your personal financial planning needs.

We will only collect personal information from you by lawful and fair means, without being unreasonably intrusive, such as when you complete an application or update form etc.

At or before the time we collect personal information from you we will take reasonable steps to inform you why we are collecting that personal information, who else we might disclose that personal information to and what will happen if you do not provide personal information to us.

Where reasonable and practicable, we will only collect personal information about you, from you.

Wherever it is lawful and practicable, we will give you the option of not identifying yourself or not providing personal information when dealing with us. However, failure to provide full and complete information we request may mean that we are unable to provide services to you fully and properly.

Once we hold personal information we will take reasonable steps to keep it accurate, complete and up-to-date.

Use and disclosure

We will only use your personal information for the main purpose we told you it was needed for, except where you consent to us using that personal information for another purpose, where the other purpose is related to the main purpose and you would reasonably expect us to use the personal information for that other purpose, or where it is permitted or required by law, or we reasonably believe it is necessary on health or public safety grounds to use the personal information for another purpose.

In relation to direct marketing, where practicable we will seek your consent before we use your personal information for this purpose. You may tell us at any time you do not wish to receive any further direct marketing materials – if you do, we will stop sending you such materials.

In accordance with the Spam Act, should you wish to unsubscribe from commercial electronic messages from GCR, all future commercial electronic messages from GCR will enable you to unsubscribe from that particular type of electronic message and this can be done at any time. If you do not unsubscribe, GCR will continue to send you relevant information of the types described above.

We will not adopt as our own any identifiers that you may provide to us such as Tax File Numbers etc.

Access and correction

If you ask, we will tell you what personal information we hold about you, and what we do with it. We will facilitate access to you by allowing an inspection of your personal information in person, or by providing copies or a summary of relevant documents, depending on what is most appropriate in the circumstances, following receipt of your request.

If you can show us that the personal information is inaccurate, we will take reasonable steps to correct it. Note that we need not provide access to personal information in several types of situation, for example where a request is frivolous, or where to provide access would pose a threat to health or public safety, unreasonably interfere with another person’s privacy, or be a breach of the law. If we refuse access we will advise you of our reasons for doing so.


We will protect personal information from misuse and loss, and destroy or permanently de-identify personal information we no longer need.

Complaints resolution

We are committed to providing clients, whose personal information we hold, a fair and responsible system for the handling of their complaints.

If at any time you have any complaints in relation to privacy, please contact our Complaints Officer at one of the points referred to below. We will seek to address any concerns that you have through our complaints handling processes, but if you wish to take matters further you may refer your concerns to the Financial Ombudsman Service.

Contact us

If you seek any further information from GCR about this Statement or our privacy policy generally please contact our Administration Manager at one of the reference points below:


6 Davies Street Oxley QLD 4075
Telephone: 1800 854 293
Facsimile: 1800 854 295

Website Terms of Use

Terms and Conditions

Your access and use of this website constitutes your agreement to these terms of use, GCR Financial’s Privacy Policy and any other notices, disclaimers, statements and other terms and conditions contained on this website. By accessing this website and other websites through links provided by us, you agree to be subject to these terms.

This website

“This website” means all web pages located on the www.gcrfinancial.com.au domain name. This website is the website of GCR Financial Pty Ltd ABN 61 133 869 182.

The information contained on this website may not be accurate or up to date in all respects. We do not warrant the accuracy or completeness of any information contained on this website. None of GCR Financial, its related body corporate or any associate (which expression includes the directors, employees, consultants or contractors to GCR Financial) makes any representation or warranty as to the quality, accuracy, reliability, timeliness or completeness of material in this website or in material linked to this website, except in so far as liability cannot be excluded by law. GCR Financial and its associates do not accept any liability (whether arising in contract, tort, negligence or otherwise) for any error or omission in the material or for any loss or damage (whether direct, indirect, consequential or other wise and including losses that may arise due to damage to computer equipment or software or as a result of the inaccessibility of this website) suffered by the recipient of the information or user of this website or any other person.

This website may contain links to third party websites. GCR Financial and its related entities do not make any representations as to the contents of any third party websites, and are not responsible for an will not be liable for the content of any third party websites.

You release, discharge and indemnify GCR Financial and its associates from and against any and all liabilities suffered or incurred by you as a result of use of this website.

General information only

The information contained in this website should be used as general information only. It does not take into account the particular circumstances, needs or objectives of any client, or purport to be comprehensive or constitute personal advice and should not be relied upon as such. You should consult our licensed financial advisers to help you form your own opinion of the information, and as to whether the information is suitable for your individual needs and aims. You should consult appropriate professional advisers on any legal, stamp duty, taxation and accounting implications of making a financial decision.


GCR Financial is committed to respecting your privacy and takes all reasonable steps to protect the personal information we collect from you. This policy is based on the Australian Privacy Principles (APPs) as per Schedule 1 of the Privacy Amendment (Enhancing Privacy Protection) Act 2012.

We may, as a result of your access to this website, hold and process personal information obtained about you. However, GCR Financial is committed to maintaining the privacy of any personal data it holds about you, and does so in accordance with the APPs. Please read GCR Financial’s Privacy Policy to understand how your personal information will be treated when you use this website.

We may disclose your personal information to third parties that help us deliver our services (including information technology suppliers, communication suppliers and our business partners) or as required by law.

Our Privacy Policy explains: (a) how we store and use, and how you may access and correct your personal information; (b) how you can lodge a complaint regarding the handling of your personal information; and (c) how we will handle any complaint.

By providing your personal information to us, you consent to the collection, use, storage and disclosure of that information as described in the Privacy Policy and these terms.

Copyright, trademarks and intellectual property rights

Unless expressly stated, GCR Financial is the owner or licensed user of the copyright and any intellectual property rights in any material, design, technology or concept contained on this website. All rights are reserved. You may use the information for your own personal reference only. You may reproduce the information in hard copy solely for your personal use. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, this website or any portion of this website may not otherwise be reproduced, adapted, distributed, displayed or transmitted to any other person or incorporated in any way into another document or other material, without GCR Financial’s express consent.

Linked sites

Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or maintained. Unless expressly stated otherwise, we do not endorse and are not responsible for the content on those linked websites and have no control over or rights in those linked websites.


This website may contain advice. Any advice is of a general nature and is not based on your personal objectives, your financial situation and needs. Accordingly, you should consider how appropriate any advice is to personal objectives, financial situation and needs. Before acquiring any financial product or service, you should read both our Financial Services Guide (FSG) from GCR Financial and any relevant Product Disclosure Statements (PDS) from product providers.

Any advice provided on this website is provided by the Australian Financial Services Licensee GCR Financial Pty Ltd (AFS & ACL 333543). GCR Financial accepts no liability for acting on this advice for who is not the intended recipient.