Certified Financial Planner

• Jan 2011 - Present

Develop and execute a plan so you can: Set and achieve your financial plansMake the most of your moneyGet any government assistance you're entitled toFeel more in control of your finances and your lifeAvoid expensive mistakesProtect your assetsMAKE YOU TAKE ACTION AND HOW YOU ACCOUNTABLE TO WHAT YOU WANT TO DO!https://www.moneysmart.gov.au/investing/financial-advice

SMSF Borrowing Advisor

• Jan 2011 - Present

Borrowing or gearing your super into property must be done under very strict borrowing conditions called a 'limited recourse borrowing arrangement'.A limited recourse borrowing arrangement can only be used to purchase a single asset, for example a residential or commercial property. Before committing to a geared property investment you should assess whether the investment is consistent with the investment strategy and risk profile of the fund.Geared SMSF property risks include:Higher costs - SMSF property loans tend to be more costly than other property loans which must be factored into your investment decision.Cash flow - Loan repayments must be made from your SMSF which means your fund must always have sufficient liquidity or cash flow to meet the loan repayments.Hard to cancel - If your SMSF property loan documentation and contract is not set up correctly unwinding the arrangement may not be allowed and you may be required to sell the property, potentially causing substantial losses to the SMSF.Possible tax losses - Any tax losses from the property cannot be offset against your taxable income outside the fund.No alterations to the property - Until the SMSF property loan is paid off alterations to a property cannot be made if they change the character of the property.https://www.moneysmart.gov.au/superannuation-and-retirement/self-managed-super-fund-smsf/smsfs-and-property We can help you assess all these areas and recommend if this option is beneficial for you.

Mortgage Advisor

• Jan 2011 - Present

Answer your queries on:How a new loan will affect your CASHFLOW?How long it will TAKE you to pay of your loan and what costs you will pay (i.e. interest, stamp duty and application fees)?What STRATEGIES are available to reduce your interest costs i.e. increasing your repayments to your home loan, negative gearing for an investment property, and 'sweeping' your credit card bills with your home loan?What LENDER you should select, based on their interest rates, costs and features and benefits?

Financial & Mortgage Advisor

• Sep 2008 - Jan 2011

AMP is one of the largest wealth management and financial services companies in the asia pacific region with a net income of 1 billion dollars and assets under managment of $155 billion. AMP is one of the largest wealth management and financial services companies in the asia pacific region with a net income of 1 billion dollars and assets under managment of $155 billion.

Recruitment Consultant

• Sep 2007 - Jun 2008

Recruitment Consultant for all accounting and finance roles, to commercial companies in the Sydney CBD Recruitment Consultant for all accounting and finance roles, to commercial companies in the Sydney CBD

Sales Area Manager

• Jan 2005 - Aug 2007

Kraft Foods is the second largest food company in the world with a turnover of $31 billion. Managed 10 Sales Reps in southern NSW operating in supermarket chains. Implementing national promotions and reporting compliance. Foodservice Account Manager Maintained foodservice accounts at 120% to plan targets. Kraft Foods is the second largest food company in the world with a turnover of $31 billion. Managed 10 Sales Reps in southern NSW operating in supermarket chains. Implementing national promotions and reporting compliance. Foodservice Account Manager Maintained foodservice accounts at 120% to plan targets.

Recruitment Operations Manager

• Jan 2003 - Dec 2004

Recruitment and operation of all hospitality staff across all major events in the UK Recruitment and operation of all hospitality staff across all major events in the UK

Hotel Manager & Licensee

• Jan 1998 - Jun 2002