About Us

BCFR Financial Services was established at our Melbourne Street offices in the year 2000. Despite a constantly changing and evolving environment, we’ve successfully maintained a strong client focus and our personalised approach. We offer individual clients, families and small to medium enterprises of all levels a straight-forward service that encompasses high-level planning, tailored to suit all client needs. At BCFR Financial Services, we put you in an educated position to take control of your financial future. We use a fresh approach to deliver your financial solutions; explaining all the benefits in easy to understand language.


What We Do

Our carefully constructed services are designed to help you achieve your goals, whatever your needs are, and regardless of what life stage you are at. This might include:

  • Maintaining your current lifestyle
  • Building for the future
  • Protecting you, your family, your business and your assets
  • Easing into retirement effectively
  • Managing your lifestyle in retirement.

Our advisers spend time carefully building a financial plan that is specific to your individual needs and objectives. We offer a review service to monitor the suitability of that plan to make sure it continues to match your changing life circumstances.


Meet the Team


Frank Granozio

Principal and Financial Adviser
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Frank Granozio, founder of BCFR Financial Services, joined the industry with National Mutual in 1987 and now manages one of the largest personal risk insurance portfolios in South Australia. Frank is a member of the Financial Planning Association (FPA) and has completed his Advanced Diploma in Financial Planning. Frank believes Every client has a unique set of objectives and financial planning priorities which apply to their personal circumstances.

‘My role as an adviser in the financial planning process is to LISTEN attentively in order to UNDERSTAND the client’s objective and then DELIVER the most appropriate strategy to achieve their goals,’

‘We must also never forget that as financial advisers, we also have an obligation to educate our clients and clearly demonstrate the beneficial advantage of our advice.’

Married with 2 daughters, Frank is a keen golfer and a fanatical Ferrari fan.


Theo Papagiannis

Financial Adviser
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Theo commenced his career as a Financial Adviser with AMP in 2003 and achieved his CFP status in 2008. He also has a Bachelor of Management from the University of South Australia and is a member of the Financial Planning Association (FPA).

Theo joined the BCFR group in 2012, as he saw it as a great opportunity to work with a large and diverse range of clients. He specializes in personal planning, family and asset protection plans, superannuation and retirement planning, and wealth creation plans. Theo takes a common-sense approach to growing and protecting what is most important.

Outside of work, he is a passionate member of the PAFC, enjoys the occasional game of golf and derives great pleasure from coaching his son’s cricket and soccer teams as well as cheering on his daughter’s gymnastics and netball.


Casey Di Troia

Client Services
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Casey is our dedicated Client Services Officer. Beginning her career at Westpac in 2004 as a Telephone Banking Operator, she quickly rose through the ranks to become a Support Officer to a large team of Advisers. Casey’s experience, natural ability to adapt and personality make her a great fit for the business and looking after client’s needs.

Casey has lively 5-year-old twin girls who keep her very busy outside work.


Lucinna Chua

Paraplanning and Compliance
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Commencing her career as a Paraplanner in 2005, Lucinna has seen much transformation in the industry.  Navigating the ever changing, challenging and complex regulatory environment, Lucinna’s experience, knowledge and eye for detail is an invaluable asset to the business.  She holds a degree in Banking and International Finance from Flinders University, and an Advanced Diploma in Financial Planning. Lucinna is fluent in 3 languages, loves cooking and Flamenco Dancing, has recently began playing violin, and is always up for a new challenge.


Elyssa Granozio

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Elyssa has just successfully completed her High School studies and is gaining valuable work experience in providing back office and client support for the business.  Elyssa enjoys dancing, trying new Vegan food and watching movies.

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