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 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.

After moving to Adelaide from China to complete her High School studies, Lydia went on to complete a Bachelor of Civil & Structural Engineering and Bachelor of Finance at the University of Adelaide. She commenced her career in financial planning as a Customer Service Officer with GPS Wealth Advisory in 2016 and has continually expanded her professional expertise, completing a Master of Financial Planning.

She joined BCFR Financial Services in 2022 in the role of Paraplanner/ Adviser Assistant and has become a valued asset to the team.

Outside of work, she likes K-pop & Jazz Funk dancing, crafting and travelling. She also likes sports and has recently really enjoyed watching table tennis matches.

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.

Massimo is currently completing a Bachelor of Commerce at Adelaide University, majoring in Financial Planning and Accounting, with aspirations of pursuing a long-term career as a Financial Adviser. Passionate about helping clients achieve their financial goals, he is committed to continually developing his knowledge and practical expertise within the profession.

As a Client Service Officer at BCFR Financial Services, Massimo supports advisers throughout the advice process, assisting from initial information gathering through to the implementation of tailored financial advice. His strong work ethic, attention to detail, and commitment to delivering a high standard of service make him a valued member of the team.

Outside of work, Massimo enjoys playing and coaching soccer and has a keen interest in health, fitness, and personal development. He is passionate about continuous learning and self-improvement, believing that discipline, resilience, and a commitment to excellence are fundamental to success in both his professional and personal life.