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The Legal Stuff

Smart Happy Money is a trading name of BGN Financial Management PTY LTD

Ben Graham-Nellor is a Sub Authorised Representative (291391) of BGN Financial Management PTY LTD (ABN 45 672 104 196) which is a corporate authorised representative (468796) of Professional Investment Services Pty Ltd (ABN 11 074 608 558) which is the holder of Australian Financial Services License No.234951.

The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the information on this website. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned on this website.

By entering your details to this website you are agreeing to be added to the BGN Financial Management/Smart Happy Money contact list and will receive, from time to time, newsletters, updates and invites to events etc.  You can opt out at any time by emailing

Professional Investment Services Pty Ltd | ABN 11 074 608 558 | AFSL No. 234951 

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Financial Services Guide | 

BGN Financial Management PTY LTD is corporate credit representative No 528966 of Centrepoint Alliance Lending ABN 40 100 947 804 (Australian Credit Licence Number 377711)​

Neeliya Cooper Credit Representative No. 501079 Ph :0419260226

Joel Maestri Credit Representative No. 534665 Ph:0417048984

Assistance should be sought from a professional broker (or broker and adviser, if dually authorised) before applying for any product and consideration should be given to the relevant product’s / lender’s terms and conditions

The information on the website is provided “on an ‘as is’ basis without warranties of any kind whatsoever, including any implied warranties or warranties of merchantability, fitness for a particular purpose or non-infringement of the rights of third parties”

© 2021 BGN Financial Management PTY LTD

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