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Sound advice.
Straight from the horse’s mouth.

When you’re discussing your future, it helps to know the advice isn’t just hearsay.

Our team members have strong agricultural backgrounds and vast experience in commercial-farming-related industries such as business, banking and commodities. That means they’re well placed to give you an educated steer on how best to approach situations and institutions, so you can ask the right questions and speak their language. With our experience and expertise, you’ll have the confidence and knowledge to reign your business back in hand.

Meet our Counsellors

Graeme

Witte

BURONGA

Born and raised in the Sunraysia area, Graeme comes from a background in banking spanning the last thirty years.

Originally raised on a dried fruit and citrus farm in the district, Graeme has worked predominately in the Ag sector of banking during his career. Having spent many years working with farmer during good times and drought it was an easy choice to move from banking to Rural Financial Counselling in April 2018.

Graeme’s strong background in banking and finance means that he can assist you in looking at the numbers behind your business and help guide you through the often complicated assistance applications.

Darren, otherwise known around town as Dazzler has a background in farming, banking and small business providing a very strong foundation for his role as an RFC (Rural Financial Counsellor) for the Hay region. When Dazzler isn’t doing RFC work he is found at his electrical and furniture business in the township of Hay. He also volunteers in a number of community organisations such as the local Rural Fire Brigade, where he is currently the Deputy Captain.

Darren knows first-hand what it is like to be part of a farming family. He grew up on a sheep, beef and cropping property at Berrigan in southern Riverina. This in addition with a long career in banking, including roles as agribusiness manager, servicing customers all over New South Wales and Victoria, it gives Darren invaluable expertise and knowledge. Using this skill set, Darren has been assisting farmers to assess their financial situation and to use this information to determine the options that will allow them to move forward.

Tony
Flett

DENILIQUIN

Tony comes from a dairy background where he and his family milked up to 500 cows across a number of properties around Cobram and Strathmerton.

Having 5 children whilst being on the farm allowed Tony and his family to have plenty of quality time together but after 23 years it was time to try something new. After looking for where life might take him, that was different to what he had been doing, but still firmly rooted in agriculture, an opportunity came up to work with RFCS.

Tony’s strong ag and business background and having an Advanced Diploma in Agriculture and a Bachelor of Business made the move to RFCS a logical transition.

Linda lives on a sheep grazing property near Hillston. She has qualifications in business and accounting, has attained her Diploma of Community Services (Financial Counselling) and has completed a Statement of Attainment under the Financial Counselling Association NSW. Linda also brings a wealth of knowledge and experience to the role of Rural Financial Counsellor. She has also worked for a large mixed agriculture firm and as part of a farming family and has the knowledge and insight to help local farmers.

Linda covers the areas of Hillston, Lake Cargelligo, Ivanhoe and surrounding districts and welcomes you to visit her office or arrange an appointment to meet with you on farm.

Airlie
Hoskins

COLEAMBALLY

Airlie has grown up on a sheep and cattle property at Goulburn, NSW, and currently lives on an irrigated cropping farm at Carrathool. She has qualifications in Economics and Accounting, and prior work experience in Agri-banking and farm business analysis.

Airlie is covering the Coleambally area, which extends out to Carrathool, Jerilderie and Morundah. She has a passion for agriculture and helping people on the land, and can assist you with farm budgeting, business planning and understanding agri – finance.

Haidee
Laycock

GRIFFITH

Haidee joined RFCS in 2015, coming into the role from a seven year stint with the Department of Human Services (Centrelink), where she was a policy specialist for Rural Programs.

Haidee and her husband run an agricultural contracting business across the Riverina, which provides Haidee a widespread understanding of the issues facing local farmers. Along with extensive financial counselling knowledge and experience, including both Diploma of Agribusiness Management and Diploma of Community Services Financial Counselling,

Haidee utilises her Centrelink knowledge to help clients break through barriers to service with federal and state organisations.

Kevin
McCrum

WAGGA WAGGA NORTH

Kevin has strong links to the rural sector. He was born and raised on a farm at Weethalle, then attended Yanco Agricultural High School before going on to study veterinary science at university. After working as a vet for three years both here and overseas, he returned to the family farm – a dry area, mixed cereals / grazing property at Weethalle where he worked and raised his family for 23 years. Kevin has a Diploma of Community Services Financial Counselling

Having experienced the challenges of drought, fluctuating commodity prices and natural disasters and lived in a farming community, he is now ready to assist the farmers of the South-East Riverina with their financial counselling needs and to plan for a brighter future.

Prue
Hulm

WAGGA WAGGA SOUTH

Prue was born in Wagga and brought up on a mixed farming operation located 15 minutes out of Wagga and after completing her education in Sydney decided her love and interest was in the land so returned home to help with the day to day running of the family property.

Prue joins us after 10 years’ experience working in Financial Management and Corporate Agribusiness with the Commonwealth Bank and saw an opportunity to utilise not only her specialised financial skills but also help in an industry that she is passionate about. Prue has an active role in the local Community and a keen interest in renovating properties in her spare time with husband Mitch and son George.

Graham has a balanced understanding of agriculture at all levels – as a former lecturer on farm management at the University of Melbourne and with hands on experience running mixed, irrigation and livestock farms in western Victoria and the Riverina.

He relates well to farmers as he knows what it is like dealing with the day-to-day issues of managing changing water allocations and watching agri political issues unfold.  Graham knows the importance of financial analysis, budgeting and planning, and he delivers these services to farming families to help them identify the best path for their future.

He has worked with the Service since October 2007 and holds a Diploma of Agricultural Science, a Graduate Diploma in Agribusiness and has also attained the Diploma of Community Service (Financial Counselling).

Elke is a strong proponent of sustainable agriculture and regional development. She has worked as a rural financial counsellor since mid 2016, servicing the Hilltops area.

Elke and her husband own & operate in a farming enterprise in Harden, NSW. The business encompasses broad acre grain & beef production. She has a strong personal understanding of the many challenges faced by rural communities, farmers and their families today. Elke knows very well that weather extremes and volatile markets affect us all.

After 25 years working in accounting, finance and banking, Elke also understands the position of a business from a financial and banking perspective. Elke is a results driven business professional with broad experience in senior management; her experience as a Fellow CPA and finance executive was gained working with small and medium enterprises and for 16 years in the customer owned banking sector. Elke completed a Master in Business Administration (MBA) and sits on a number of local and regional boards.

Fiona is an experienced Rural Financial Counsellor, working in the RFCS Northern region, Central Region and also Southern Queensland. She also has experience with various agricultural based companies as a Management Accountant with Clyde Agriculture in Bourke, NSW and as the Administration Manager at Oakey Abattoir, Oakey QLD.

Fiona’s qualifications include a Business Degree (USQ Toowoomba), Diploma in Community Services (Financial Counselling) and Certificate IV in Training and Assessment. In 2016 she was a finalist in NSW-ACT AgriFutures Rural Women’s Award for her project and a subject she is passionate about ‘Next Rural Generation’. 

Prior to 2000 her family were farming their property in Zimbabwe. Fiona has previously owned a small property near Narrabri where she ran in partnership, a Stud Dorper sheep flock and cropping. She has moved to Yass so she can be near her family, especially her grandson, Charlie in Canberra and looks forward to helping farming families.

Steve
Jarick

HUSKISSON

Steve was born in Wagga and grew up on a farm at Mangoplah and in Victoria. Due to difficult seasons and significant fluctuations in commodity prices, Steve decided it was time to look at alternative occupations. He chose accounting, and after completing a Degree in Commerce he became a CPA.

With farming in his blood, Steve specialised in the business analysis of individual clients during his time working, many years, for a Rural Bank in Tasmania. Clients were spread across the dairy, grazing, vegetable growing, aquaculture, fishing and forestry industries.

A RFCS position was an ideal match for Steve’s personal objective of assisting rural business people make the most of their circumstances, as are his qualifications and experience.

Peter initially joined the service in September 2007.  He brought with him significant knowledge of various agricultural industries through over 25 years’ experience in the finance industry as a Risk Executive and also managing his own farming operation for over 20 years.

Peter has a strong financial background with a Master’s Degree in Accounting and Finance (UTS Sydney) and recently commenced a Diploma in Agriculture. He has also attained a Diploma in Community Services.

Peter left the service in 2010 but has returned in 2013 stating that he missed assisting people within the agriculture industry and providing the best options for their future.

Graeme Witte

BURONGA

Born and raised in the Sunraysia area, Graeme comes from a background in banking spanning the last thirty years.

Originally raised on a dried fruit and citrus farm in the district, Graeme has worked predominately in the Ag sector of banking during his career. Having spent many years working with farmer during good times and drought it was an easy choice to move from banking to Rural Financial Counselling in April 2018.

Graeme’s strong background in banking and finance means that he can assist you in looking at the numbers behind your business and help guide you through the often complicated assistance applications.

Darren Macartney

HAY

Darren, otherwise known around town as Dazzler has a background in farming, banking and small business providing a very strong foundation for his role as an RFC (Rural Financial Counsellor) for the Hay region. When Dazzler isn’t doing RFC work he is found at his electrical and furniture business in the township of Hay. He also volunteers in a number of community organisations such as the local Rural Fire Brigade, where he is currently the Deputy Captain.

Darren knows first-hand what it is like to be part of a farming family. He grew up on a sheep, beef and cropping property at Berrigan in southern Riverina. This in addition with a long career in banking, including roles as agribusiness manager, servicing customers all over New South Wales and Victoria, it gives Darren invaluable expertise and knowledge. Using this skill set, Darren has been assisting farmers to assess their financial situation and to use this information to determine the options that will allow them to move forward.

Tony Flett

DENILIQUIN

Tony comes from a dairy background where he and his family milked up to 500 cows across a number of properties around Cobram and Strathmerton.

Having 5 children whilst being on the farm allowed Tony and his family to have plenty of quality time together but after 23 years it was time to try something new. After looking for where life might take him, that was different to what he had been doing, but still firmly rooted in agriculture, an opportunity came up to work with RFCS.

Tony’s strong ag and business background and having an Advanced Diploma in Agriculture and a Bachelor of Business made the move to RFCS a logical transition.

Linda McLean

HILLSTON

Linda lives on a sheep grazing property near Hillston. She has qualifications in business and accounting, has attained her Diploma of Community Services (Financial Counselling) and has completed a Statement of Attainment under the Financial Counselling Association NSW. Linda also brings a wealth of knowledge and experience to the role of Rural Financial Counsellor. She has also worked for a large mixed agriculture firm and as part of a farming family and has the knowledge and insight to help local farmers.

Linda covers the areas of Hillston, Lake Cargelligo, Ivanhoe and surrounding districts and welcomes you to visit her office or arrange an appointment to meet with you on farm.

Airlie Hoskins

COLEAMBALLY

Airlie has grown up on a sheep and cattle property at Goulburn, NSW, and currently lives on an irrigated cropping farm at Carrathool. She has qualifications in Economics and Accounting, and prior work experience in Agri-banking and farm business analysis.

Airlie is covering the Coleambally area, which extends out to Carrathool, Jerilderie and Morundah. She has a passion for agriculture and helping people on the land, and specialises in farm budgeting and business planning.

Haidee Laycock

GRIFFITH

Haidee joined RFCS in 2015, coming into the role from a seven year stint with the Department of Human Services (Centrelink), where she was a policy specialist for Rural Programs.

Haidee and her husband run an agricultural contracting business across the Riverina, which provides Haidee a widespread understanding of the issues facing local farmers. Along with extensive financial counselling knowledge and experience, including both Diploma of Agribusiness Management and Diploma of Community Services Financial Counselling,

Haidee utilises her Centrelink knowledge to help clients break through barriers to service with federal and state organisations.

Kevin McCrum

WAGGA WAGGA NORTH

Kevin has strong links to the rural sector. He was born and raised on a farm at Weethalle, then attended Yanco Agricultural High School before going on to study veterinary science at university. After working as a vet for three years both here and overseas, he returned to the family farm – a dry area, mixed cereals / grazing property at Weethalle where he worked and raised his family for 23 years. Kevin has a Diploma of Community Services Financial Counselling

Having experienced the challenges of drought, fluctuating commodity prices and natural disasters and lived in a farming community, he is now ready to assist the farmers of the South-East Riverina with their financial counselling needs and to plan for a brighter future.

Prue Hulm

WAGGA WAGGA SOUTH

Prue was born in Wagga and brought up on a mixed farming operation located 15 minutes out of Wagga and after completing her education in Sydney decided her love and interest was in the land so returned home to help with the day to day running of the family property.

Prue joins us after 10 years’ experience working in Financial Management and Corporate Agribusiness with the Commonwealth Bank and saw an opportunity to utilise not only her specialised financial skills but also help in an industry that she is passionate about. Prue has an active role in the local Community and a keen interest in renovating properties in her spare time with husband Mitch and son George.

Graham Christie

ALBURY

Graham has a balanced understanding of agriculture at all levels – as a former lecturer on farm management at the University of Melbourne and with hands on experience running mixed, irrigation and livestock farms in western Victoria and the Riverina.

He relates well to farmers as he knows what it is like dealing with the day-to-day issues of managing changing water allocations and watching agri political issues unfold.  Graham knows the importance of financial analysis, budgeting and planning, and he delivers these services to farming families to help them identify the best path for their future.

He has worked with the Service since October 2007 and holds a Diploma of Agricultural Science, a Graduate Diploma in Agribusiness and has also attained the Diploma of Community Service (Financial Counselling).

Elke Cleverdon

YOUNG

Elke is a strong proponent of sustainable agriculture and regional development. She has worked as a rural financial counsellor since mid 2016, servicing the Hilltops area.

Elke and her husband own & operate in a farming enterprise in Harden, NSW. The business encompasses broad acre grain & beef production. She has a strong personal understanding of the many challenges faced by rural communities, farmers and their families today. Elke knows very well that weather extremes and volatile markets affect us all.

After 25 years working in accounting, finance and banking, Elke also understands the position of a business from a financial and banking perspective. Elke is a results driven business professional with broad experience in senior management; her experience as a Fellow CPA and finance executive was gained working with small and medium enterprises and for 16 years in the customer owned banking sector. Elke completed a Master in Business Administration (MBA) and sits on a number of local and regional boards.

Fiona Taylor

YASS

Fiona is an experienced Rural Financial Counsellor, working in the RFCS Northern region, Central Region and also Southern Queensland. She also has experience with various agricultural based companies as a Management Accountant with Clyde Agriculture in Bourke, NSW and as the Administration Manager at Oakey Abattoir, Oakey QLD.

Fiona’s qualifications include a Business Degree (USQ Toowoomba), Diploma in Community Services (Financial Counselling) and Certificate IV in Training and Assessment. In 2016 she was a finalist in NSW-ACT AgriFutures Rural Women’s Award for her project and a subject she is passionate about ‘Next Rural Generation’. 

Prior to 2000 her family were farming their property in Zimbabwe. Fiona has previously owned a small property near Narrabri where she ran in partnership, a Stud Dorper sheep flock and cropping. She has moved to Yass so she can be near her family, especially her grandson, Charlie in Canberra and looks forward to helping farming families.

Steve Jarick

HUSKISSON

Steve was born in Wagga and grew up on a farm at Mangoplah and in Victoria. Due to difficult seasons and significant fluctuations in commodity prices, Steve decided it was time to look at alternative occupations. He chose accounting, and after completing a Degree in Commerce he became a CPA.

With farming in his blood, Steve specialised in the business analysis of individual clients during his time working, many years, for a Rural Bank in Tasmania. Clients were spread across the dairy, grazing, vegetable growing, aquaculture, fishing and forestry industries.

A RFCS position was an ideal match for Steve’s personal objective of assisting rural business people make the most of their circumstances, as are his qualifications and experience.

Peter Muirhead

BEGA

Peter initially joined the service in September 2007.  He brought with him significant knowledge of various agricultural industries through over 25 years’ experience in the finance industry as a Risk Executive and also managing his own farming operation for over 20 years.

Peter has a strong financial background with a Master’s Degree in Accounting and Finance (UTS Sydney) and recently commenced a Diploma in Agriculture. He has also attained a Diploma in Community Services.

Peter left the service in 2010 but has returned in 2013 stating that he missed assisting people within the agriculture industry and providing the best options for their future.