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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 rein your business back in hand.

Rural Financial Counsellors

Richard Dowsett

Richard Dowsett

WINGECARRIBEE, WOLLONGONG, GOULBURN MULWAREE, KIAMA, SHELLHARBOUR, SHOALHAVEN, UPPER LACHLAN

Office: Goulburn

Richard joined the RFCS after relocating to Goulburn. After completing his degree in Agricultural Economics (USYD), Richard worked in the USA & UK developing skills in dairying, confinement feeding of sheep & cattle, cropping and fodder harvesting. 

 
In Australia, Richard has mainly worked, managing corporate & large family broadacre farming enterprises in Northern NSW & Southern Queensland. Here, the use of financial analysis, cash flow budgeting & capital gain initiatives have played an important part of the day to day activities of modern farming. These strategies can be used by all primary producers to develop sustainable farming systems and help mitigate the risks that are associated with exposure to seasonal fluctuations in climate & commodity prices. For a number of years, Richard also worked in agribusiness for a major bank.   Richard understands the vagaries associated with agriculture, financial and rural family commitments & the processes involved in dealing with leading institutions. Combining his knowledge of working on farm with agribusiness, Richard looks to utilise these skills to help RFCS clients moving forward. 
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0409 761 655
richard@rfcsnsw.com.au

Elke Cleverdon

Elke Cleverdon

HILLTOPS, COWRA

Office: 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. 

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0427 935 823
elke@rfcsnsw.com.au

Jess Keemink

Jess Keemink

COOTAMUNDRA-GUNDAGAI, JUNEE, LOCKHART

Office: Wagga

Jessica has been with RFCS since February 2020. She hit the ground running commencing as the first point of contact after the bushfires, during the COVID-19 outbreak and of course ongoing concerns regarding drought conditions. 

 Jess has 10 years experience within the Financial Planning sector.  She holds a Bachelor of Commerce and a Diploma of Financial Counselling and has held roles as a Paraplanner, an Insurance Specialist and as an Associate Advisor. In her spare time, she plays netball for the Pacers and is a keen umpire for various netball associations all while running after a gorgeous two year old. Jessica grew up on a sheep, beef and cropping enterprise near Uranquinty and enjoys the rural lifestyle but she has also travelled and lived overseas. She is a horse lover, competing in gymkhanas, local shows and eventing competitions. Jessica understands the devastation drought can have on the family finances and wellbeing.  Her past experiences give her a great determination to help farmers and their families in need. 
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0409 222 748

jess@rfcsnsw.com.au

Millie Richardson

Millie Richardson

EDWARD RIVER, MURRAY RIVER

Office: Deniliquin

Millie and her partner live on mixed farming property in the Deniliquin region with 2 young children who love the outdoor and the animals.

Growing up on a mixed farm at Wakool, Millie has always had a passion for agriculture that was supported by her parents.

She attended Yanco Agricultural High school where her knowledge and passion for farming grew even more.

Millie has customer service experience from the industries that she has worked in and strives to ensure all clients’ needs are meet and carried out within a timely and trustworthy manner.

She has worked within the financial service industry while at the rural stores within Deniliquin, as they provided a variety of financial services to their client base and potential new clients. While preforming these tasks, we ensured the upmost confidentiality as well as guiding the client to the most fitting product for their business model.

Millie is currently undertaking her Diploma in Financial Counselling.

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0428 815 766
millie@rfcsnsw.com.au

Kevin McCrum

Kevin McCrum

COOLAMON, NARRANDERA, WAGGA WAGGA

Office: Wagga

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.

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0448 642 444
kevin@rfcsnsw.com.au

Graeme Witte

Graeme Witte

Balranald, WENTWORTH

Office: 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.

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0447 283 688
graeme@rfcsnsw.com.au

Linda McLean

Linda McLean

LACHLAN, HAY, CARRATHOOL

Office: 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.

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0416 235 759
linda@rfcsnsw.com.au

Peter Muirhead

Peter Muirhead

Bega VALLEY, EUROBODALLA

Office: Bega

Peter initially joined the RFCS 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

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0447 467 964
peter@rfcsnsw.com.au

Sarah Diggelmann

Sarah Diggelmann

Leeton, GRIFFITH

Office: Leeton

Sarah has grown up on a mixed dryland farming operation at Lake Cargelligo NSW. Sarah has come from a strong finance background with her last 15-yrs working her way up through the ranks of the some of the major banks in the Riverina.

Sarah has a thorough understanding of credit analysis, preparation of loan submissions and strong relationship management skills.

Sarah is covering the Griffith and Leeton areas. She has a strong passion for agriculture and places farmers front of mind to ensure they are receiving the best outcome.

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0447 479 694
sarah@rfcsnsw.com.au

Fiona Taylor

Fiona Taylor

Queanbeyan-PALERANG, YASS VALLEY

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.

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0429 057 597

fiona@rfcsnsw.com.au

 

Olivia Coulahan

Olivia Coulahan

OBERON, ORANGE, BLAYNEY, BATHURST

My background consists of 23 years banking with 3 of the major banks in various locations around Australia primarily as a Home Finance Manager.  In March 2020 when Covid-19 hit my husband lost his job so we decided it was the perfect time to go on an adventure.

We packed up our life in Townsville and landed in Bathurst in June 2020.  I picked up some contract work with RAA in the Drought Transport Subsidy Team and after 3 months I moved into a Loans Analyst role with RIC.  I worked on many Drought loans and AgBiz loans for clients all around Australia and developed a love for the Ag Sector and helping clients in need.  I finished with the RIC in June 2021 when I left to go and have a baby.

I live in Bathurst and enjoy spending time with my husband and our children – 9-month-old daughter and 6-year-old son playing outdoors and going on adventures.  We are still adjusting to the cold weather although loved seeing and playing in the snow last winter.

Working as a Rural Financial Counsellor I am looking forward to meeting and assisting farmers and their families with financial counselling to inspire a brighter outlook and improve their financial future. 

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0409 241 229
olivia@rfcsnsw.com.au

Victoria Boag

Victoria Boag

Warren, Narromine, BOGAN

Office: Nyngan

I have lived in the Nyngan district all my life and together with my husband we run dryland farming and grazing business. 


I started with the RFCS CW in 2007 as an RFC covering the Bogan, Cobar and Warren LGA’s and receive strong support from these communities.
I enjoy developing strategies with clients and looking at preferred future pathways. Having been through the challenging times I have the empathy and the skills necessary to support primary producers in financial difficulty.

I completed my Associate Diploma in Rural Business Administration, studied Business, completed Diploma of Community Services (Financial Counselling), Advanced Diploma of Rural Business Management and other industry related courses.

My community involvement includes being an elected Bogan Shire Councillor and this position allows me to give back to the community by involving me in the local decision making process and has provided opportunities for my professional development.

My husband and I volunteer our time for meals on wheels as a way to help those in the community who need support. I am also a Justice of the Peace.

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0407 491 014
victoria@rfcsnsw.com.au

Julie Casey

Julie Casey

Brewarrina, WALGETT

Office: Walgett

Julie originally joined the Rural Financial Counselling Service in 2011 and lives on a grazing property between Walgett & Lightning Ridge. 

Julie has been in the northwest of NSW for 16 years originally coming a rural background in northern QLD later moving to the Darling Downs in QLD.

She is very familiar with the benefits on living on the land within a rural community. And of the challenges that are faced in operating both farm and rural businesses continually subject to the variabilities of climate and market fluctuations and is strong proponent for sustainable agricultural into the future.

Before obtaining her Diploma in Financial Counselling in 2012 she previously held roles within the small business. banking, business management, local government and employment service sectors giving her a broad business & financial management base to draw on when assisting the rural community in her role as Rural Financial Counsellor.

Julie has always enjoyed her role assisting farming families to navigate their way through the seasons and beyond.

She is based in Walgett servicing both Walgett & surrounding shires and welcomes you to contact her.

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0427 282 048
julie@rfcsnsw.com.au

John Beer

John Beer

WEDDIN, Forbes

Office: Forbes

John grew up in a rural area in the South-West of the UK where he worked in retail and agribusiness banking for 12 years.

He then spent another 12 years working in UK and international financial planning including 2 years working in South-East Asia. John emigrated to Australia with his family in 2007 and has worked as a Rural Financial Counsellor since that time. After spending almost 12 years in Bourke, John and his family relocated to Forbes at the end of 2018. They like to be involved in the community where they live and while in Bourke John was treasurer of the Bourke Show and secretary of the Bourke Men’s Shed.

John has numerous UK banking and financial planning qualifications and various Australian agribusiness qualifications including the Diploma of Agriculture and Advanced Diploma in Rural Business Management. He also completed the Bachelor of Agricultural Business Management in 2016. John enjoys sharing his knowledge and experience with others, whether that is assisting farmers improve viability or mentoring work colleagues. John and his wife Emma have two grown-up children and currently care for two young foster boys.

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0408 973 723
john@rfcsnsw.com.au

Liz Brown

Liz Brown

MID-WESTERN REGIONAL, LITHGOW

Office: Mudgee

I am an experienced and highly skilled RFC, working in this role since 1998. For the past 14 years in the Mudgee region and prior to that I was based in Nyngan.

0427 726 660
liz@rfcsnsw.com.au

Currently Recruiting

Currently Recruiting

DUBBO, WARRUMBUNGLE SHIRE

Office: Dubbo

 

 

1800 319 458
info@rfcsnsw.com.au

Sharon Bull

Sharon Bull

PARKES, CABONNE

Sharon commenced with RFCS as a Business Analyst in October 2020, more recently promoted to Rural Financial Counsellor at the beginning of 2021. Sharon serves the shires of Parkes and Cabonne.

Sharon and her husband had a mixed farming operation with their family, including Dorrest Stud, Merinos, and a cropping operation.
Sharon also has approximately 7 years of finance experience which she gained through her banking career. Sharon is currently studying the Diploma of Financial Counselling.

Sharon also has five children and six Grandchildren who she loves spending time with. In her spare time Sharon also enjoys playing Polo Cross.

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0439 323 443
sharon@rfcsnsw.com.au

Allison Davis

Allison Davis

COONAMBLE, Gilgandra

Office: Coonamble

Allison has spent most of her life living and working in the agricultural sector in NSW. Having grown up on her family’s mixed farming operation in NW NSW, she is familiar with the unique issues…

…and challenges within our rural industries and is passionate about helping farmers in finding workable solutions to those challenges.
Allison has been working as a Rural Financial Counsellor in Coonamble since October 2019 and, prior to that, has worked in a variety of roles including banking, ag marketing and sales and best management practice.

She now covers the Coonamble and Gilgandra LGA’s and is looking forward to helping farmers in the area to access the support and assistance that they need to strengthen their businesses.

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0437 340 196
allison@rfcsnsw.com.au

Toby Ellis

Toby Ellis

BROKEN HILL, CENTRAL DARLING, UNINCORPORATED NSW

Office: Broken Hill

Toby grew up on an irrigation and mixed livestock farm out at Bedgerabong in the Central West NSW. 

Being a product of the millennium drought, Toby has a keen understanding of rural business and the unique challenges they face.
He holds a Bachelor of Accounting and prior to joining the RFCS, worked in public practice servicing individuals and small business around the Bathurst community.

Living and working in Broken Hill, Toby is an avid volunteer and sportsman; hoping to bring his skillset and financial acumen to deliver the best possible outcomes for the local community.

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0429 151 133
toby@rfcsnsw.com.au 

Marine Morton

Marine Morton

TEMORA, BLAND

I am the Rural Financial Counsellor working with farmers and small related businesses across the Bland and Temora Local Government Areas. I will be working Wednesday to Friday and will be available to meet for appointments on these days. 

in Financial Counselling.

I have been working in the accounting field for the last 6 years and I have completed my Diploma in Accounting. I am also currently finalising the Diploma in Financial Counselling. I have married into a broadacre crop farming family and seeing the effect of the drought on those around me has given me great determination to help farmers and their families succeed.

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0429 525 850  marine@rfcsnsw.com.au

Alison Gregory

Alison Gregory

MURRUMBIDGEE, FEDERATION, BERRIGAN

Office: Coleambally

Alison grew up on a mixed cropping-sheep property between Jerilderie and Conargo. She’s always had a passion for agriculture and has worked predominantly within the Australian rice industry having worked on research, development,

and extension of the northern Australia rice systems, and more recently in customer service and accounting within the Riverina. She completed a Bachelor of Agriculture / Business at the University of New England and is currently studying a Master of Professional Accounting. With a keen interest in sheep production and taking every available opportunity to upskill and develop her skills she hopes in time to return to the family farming business alongside her brother. In her spare time she coaches junior netball and plays for Jerilderie, getting around in support of the club in any way possible.

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0429 396 729   alison@rfcsnsw.com.au

 

Clare Boardman

Clare Boardman

SNOWY MONARO

Office: Cooma

Clare has a lifelong interest in agriculture and has had many years of experience working and engaging with farming clients across Australia. Clare spent her early career working for the South Australian Department of

Agriculture, before moving to Orange to become a Rural Financial Counsellor in the 1990’s, the days of high interest rates, low commodity prices and bank foreclosures! After 7 years in Orange, Clare relocated to the big smoke to work for Ridley Animal Nutrition where she spent much of her time working with Ridley’s animal nutrition experts and the feed mill managers across Victoria and NSW to improve business efficiencies.
A move to Canberra and with two young children to care for, Clare embarked on a new career as a Financial Planner, where she helped numerous clients to achieve their goals and navigate the complex world of investments, superannuation, and insurance. A burning desire to return to agriculture, saw Clare take on a part time role as a farm succession facilitator working with farming families across Australia and the establishment of her own financial coaching business.
Clare is passionate about helping people move through the barriers that often inhibit them from achieving their goals and dreams. She has significant experience in business and financial management, financial planning, farm succession facilitation and financial coaching. She is also a trained negotiator with a keen interest in communication and human behavior. Clare has a degree in Agricultural Economics from UNE, a Diploma of Financial Planning and she is currently working towards a life coaching qualification and a diploma of financial counselling.
Clare and her partner Rick live with their two teenage sons, adult daughter and a very spoilt recue dog called Molly. In her spare time Clare loves listening to podcasts, horse riding, bushwalking and when Covid permits …exploring this amazing world we live in!!

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0429 028 307
clare@rfcsnsw.com.au

Currently Recruiting

Currently Recruiting

SNOWY VALLEYS, ALBURY, GREATER HUME

Kasche DeGoldi

Kasche DeGoldi

Cobar, BOURKE

Office: Bourke

Kasche grew up on a mixed farming operation in a small rural town in the South Island of New Zealand. Her family mainly farmed Cattle and Sheep.
Kasche has recently completed studies in Financial Planning and will be undertaking her Diploma 

in Financial Counselling.

Kasche and her Partner Harry plus two young sons live in the Bourke area. They all share a love and passion for the great outdoors. In their spare time they enjoy motorbike riding, camping, fishing, exploring properties and national parks.
Kasche is looking forward to meeting and helping farmers in the Bourke/Cobar area to access support and strengthen their businesses.

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0427 467 231  kasche@rfcsnsw.com.au

Small Business Coaches

Brett

Brett

Program Manager

 

Brett is a Wagga Wagga local, having undertaken his schooling in the town and subsequent Bachelor of Business (Accounting) degree at Charles Sturt University.

Brett joined the RFCS in January, 2021 having previously specialized as a Senior Insolvency Accountant at a local firm for 23 years, obtaining a wealth of experience in assisting clients of all industries and backgrounds experiencing financial difficulty and hardship. 

Outside of work Brett has a keen interest in cricket and golf, as well as being a die-hard Sydney Swans supporter.

brett@rfcsnsw.com.au

Renee

Renee

Program manager

 

Renee joins us in Wagga Wagga as a Business  Analyst. Renee has worked extensively in the finance/banking industry for the past 10 years specialising in customer service and HR while coaching and leading a team of 10 staff. 

Renee spends her time outside of work raising a busy, young family of two boys and a baby girl with her husband Garret.

Renee is looking forward to assisting our small business customers in rebuilding after a year of drought, fire and COVID and helping them set and achieve their goals.

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renee@rfcsnsw.com.au 

Simone Eyles

Simone Eyles

Small Business Coach

If you are enquiring from Bega,
Cooma, Merimbula, Tathra, Pambula, Bermagui and Cobargo. Simone joins us from Merimbula on the far south coast, where she lives with her family. 

A creative entrepreneur Simone is the co-founder of 365cups an order ahead App with clients all across Australia and New Zealand. Simone has a degree in Graphic Design and before small business spent 10 years working in advertising and PR from boutique agencies and state and federal government, from Wagga Wagga to Perth even a stint in Alice Springs. Simone is excited to share her expertise and business acumen.

With a passion for business and technology as well as the region, it seemed an organic step to move into the role of Business Coaching where Simone can support local business during these challenging times. Simone has a gift of showing people how to make technology work for them, demystifying jargon and taking challenges and turning them into practical steps to work through. Simone is currently studying her Dip. Financial Counselling and can’t wait to get to work across the region.

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simone@rfcsnsw.com.au

Court Sayer-Roberts

Court Sayer-Roberts

Small Business Coach

Court has over 17 years’ experience in operations management in the food manufacturing industry within New Zealand and Australia. 

 He began his career in hospitality as a Chef, and with further study in Hospitality Management, moved into FMCG operations, overseeing the production and launch of major food brands and products.

In 2004, Court relocated to Leeton in the NSW Riverina, bringing his operations management expertise to SunRice for many years. Court has experienced firsthand the challenges that rural businesses face, having been through drought periods himself with both SunRice and his own businesses in Leeton, which includes small business consulting, and owner/operator of a café and catering business.

Court works closely with small businesses in building and coaching high-performing teams and individuals to meet their goals, as well as help develop business relationships with their key stakeholders through changing environments. This means helping simplify business processes and understanding finances to make informed decisions.

Court provides small business coaching in the local government areas of Leeton, Griffith and Narrandera. He can also assist with navigating the extensive range of government assistance packages presently available.

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court@rfcsnsw.com.au

Brittany Lando

Brittany Lando

Small Business Coach

Office: Nowra

Brittany was born and raised in regional Griffith NSW and made the big move to the South Coast in 2014, to conduct her studies in accounting at the University of Wollongong. 


Brittany completed her degree in 2018 where she then joined an Insolvency firm specialising in liquidations, voluntary administrations, restructuring and advisory within a variety of industries including but not limited to hospitality, retail, construction, and manufacturing.
Brittany has also over 10 years’ experience in the hospitality industry including managing a busy restaurant located on the South Coast for the past 5 years. With a passion for helping people, Brittany’s excited to bring her experience and knowledge within these industries to help small business owners on the South Coast facing difficult times.
Brittany is also currently studying her Diploma of Financial Counselling and is excited to hit the ground round as a small business coach.

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brittany@rfcsnsw.com.au

Flick Hamilton

Flick Hamilton

Small Business Coach

Office: Wagga Wagga

Flick joins us in Wagga Wagga as a Small business coach. Growing up working in her family’s small business on the south coast and eventually starting her own after completing her degree at UNSW and returning home. 

Flick has worked extensively in the Veterinary and financial counselling industries for the past 10 years with a focus on business and personal finance in a rural climate.

Flick spends her time outside of work Riding and competing Showjumpers and cooking.
Flick is looking forward to assisting our small business customers in rebuilding and recovering after Bushfires, Drought and COVID19.

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flick@rfcsnsw.com.au

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