Our People

Tim Grapiglia
Financial Planner - Perth


Tim is a Financial Planner who has been working in the financial services industry since 2014. Providing a highly personalised level of service, Tim works with clients to define their goals and objectives, then delivers strategies that will ensure his clients successfully implement their financial plan.

Tim has a very open and honest approach and builds strong, long term-term relationships with his clients.  He takes the stress and worry out of finances, to allow his clients to focus on their lifestyle goals and objectives.

Tim aims to educate his clients along the journey of receiving advice by building his clients’ financial knowledge and understanding. He finds that when an individual has some understanding of their finances, they are prepared to make sound financial decisions which enhances their financial outcomes. 

RSM Financial Services Australia Pty Ltd ABN 22 009 176 354 AFS Licence No 238282

Solutions TIM Providesasset_32.png

Tim specialises in the following areas:

  • Tax effective retirement planning leading up to and during retirement
  • Personal wealth creation
  • Mitigating individuals risk using a range of insurances
  • Financial modelling
  • Education focusing on financial investments, strategies and market updates
  • Estate planning
  • Budget planning
  • Determination of Centrelink eligibility


  • Bachelor of Commerce – Finance and Accounting (UWA)
  • Diploma of Financial Planning

Using your small business as a bank can be taxing

28 November 2022
Cost of living in Australia is on the rise and the ATO has upped expectations on repayment compliance with an estimated 50,000 Directors receiving penalty notices for unpaid taxes. Some SME business owners are seriously feeling the financial pinch on the homefront and the workfront. In times of financial difficulty, a portion of SMEs seeking to ...

Index funds – what’s all the fuss about?

3 November 2021
As the name suggests, an index investment fund seeks to deliver a similar return, less fees, as its chosen index. In its simplest form an index fund purchases the same shares in the same proportions as its index. For example, an S&P/ASX 200 index fund will hold shares in Australia’s 200 largest companies. Say for instance, if Commonweal...

Downsizing to improve your income in retirement

4 November 2019
Have you worked hard your whole life, but feel like you have not accumulated enough to fund your retirement? Well, downsizing could be the solution for you. Let's take a closer look at how the downsizing contribution could help you increase your income in retirement and provide you peace of mind knowing you have enough to retire on. Be...