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
WINGECARRIBEE, WOLLONGONG, GOULBURN MULWAREE, KIAMA, SHELLHARBOUR, SHOALHAVEN, UPPER LACHLAN
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.
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. 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.
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.
COOTAMUNDRA-GUNDAGAI, JUNEE, LOCKHART
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.
EDWARD RIVER, MURRAY RIVER
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. 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.
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.
COOLAMON, NARRANDERA, WAGGA 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.
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.
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. 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.
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.
LACHLAN, HAY, CARRATHOOL
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.
Bega VALLEY, EUROBODALLA
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 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
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 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.
Queanbeyan-PALERANG, YASS VALLEY
Fiona is an experienced Rural Financial Counsellor, working in the RFCS Northern region, Central Region and also Southern Queensland.
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.
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.
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.
Warren, Narromine, BOGAN
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.
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.
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.
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.
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 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.
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…
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.
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.
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.
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.
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.
MURRUMBIDGEE, FEDERATION, BERRIGAN
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,
0429 396 729 firstname.lastname@example.org
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
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!!
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
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.
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.
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 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.
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.
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.
Small Business Coach
Court has over 17 years’ experience in operations management in the food manufacturing industry within New Zealand and Australia.
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.
Small Business Coach
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.
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 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.