Bernard Begg

Managing Director/Senior Partner

Bernard has over 14 yrs experience in the Banking and Financial Services industry. Bernard has previously been an Adviser and held Senior Management roles within the industry. Bernard’s experience brings a balanced approach to dealing with clients facing change and seeking financial security. Bernard has been involved in local sport as both a player and coach for many years in Rugby, Rugby League and Cricket. Bernard is married to Alison and have, Jack, Ellie and Harry to look after them in old age.

Mark Anderson

Senior Financial Planner/Partner

Mark is born and bred in Bathurst and brings over 12 years of Financial Planning experience to the business. Mark was previously a stockbroker in Sydney until the lure of regional NSW drew him back home. He brings with him an abundance of knowledge and experience in all areas of financial planning including wealth creation, retirement planning (super and pensions), tax planning, Centrelink and Aged Care. Complementing Mark's technical knowledge and attention to detail, he prides himself on his affable nature and ability to explain complex strategies in an easy to understand way so there is complete peace of mind for his clients. In his spare time Mark is a keen motorbike enthusiast and was the former Australian Champion at Street Luge.

Mark is a graduate form Charles Sturt University with a Bachelor of Business and holds an Advanced Diploma in Financial Services (Financial Planning).

Stuart Gilchrist

Senior Financial Planner/Partner

Stuart has more than 12 years of experience in the financial services sector having worked with, St George Bank, and most recently in his own Practice which has been merged with Spencer Fuller in January 2019. Prior to this he worked at Colonial First State for six years, supporting independent financial advisers. His wealth of experience and business knowledge is a significant asset to the practice as well as being able to provide his clients with expert guidance in understanding the financial complexities involved in achieving their goals.

Stuart is married and spends most of his time supporting his three children at school and in their sports, including athletics, swimming, and soccer. What time there is left Stuart keeps active with swimming, bushwalking, or riding trails through the bush, and watching the Wallabies play rugby.

Gareth Adams

Senior Financial Planner/Partner

Gareth has eleven years of experience in the financial services sector having worked with StatePlus, St George Bank, CBA and Count Financial. Prior to this he worked for the Financial Information Service within Centrelink. His years of experience and education leave him well position to provide you with expert guidance in unravelling the financial complexities involved in achieving your goals.

He enjoys bushwalking, reading and has two sons who are happy to help in filling up the rest of his spare time.

ANDREW (JIAN YI) LAO

Senior Financial Planner

Andrew believes financial planning is not a transactional arrangement, it is a relationship that is built on trust. Whilst Andrew has worked for large national businesses, he prefers smaller local financial planning practices that are client focused.

Andrew has been in the Financial Services Industry since 2001. In his late 20's Andrew owned businesses in the retail and hospitality industry. In 2005 he re-entered financial planning with a deeper understanding of business ownership which he has used to better serve his clients.

Andrew is married and enjoys spending time with his wife and 2 young children, hoping to teach them the joys of fishing and camping in the future.

RICK NICHOLSON

Senior Financial Planner

I have been a Financial Planner for over 22 years and I have offices located in Wollongong, Sydney, Canberra and Bathurst. I have over 36 years of experience in the financial services industry and have previously worked for Commonwealth Financial Planning for nearly 10 years.

I am passionate about helping clients, families and business create comprehensive advice strategies to secure their future and live their best life.

I particularly enjoy helping retiree and aged care clients through all the complexities of superannuation and investments to simplify access to maximising Centrelink entitlements.

My strengths are the rapport and relationships I build and maintain with my clients.

Tyron Mitchell

Manager of Risk/Senior Financial Planner

TRUDY DONNELLY

Implementation and Compliance Manager

Anil Chaudhary

Paraplanning Manager

Belinda Johan

Client Services Manager

Lauren Swain

Practice Manager

Emmanuel Casquejo

Senior Financial Planning Assistant

Anna Baya-On

Financial Planning Assistant

Jaica Macamay

Financial Planning Assistant

Nikka Alvar

Financial Planning Assistant

Melanie Mitchell

Client Service Officer

Rose Hodgins

Implementation Manager – Risk

Louise Macaldo

Senior Paraplanner