Our Counsellors

Rural Financial Counsellors

Our qualified and professional rural financial counsellors can assist you in navigating the complex financial landscape of rural business. Our counsellors have a deep understanding of the unique challenges facing primary producer and rural small businesses, and are equipped to provide tailored, confidential and professional advice on a range of issues, including debt relief, budgeting, business planning, and accessing government assistance.

Whether you’re a primary producer, rural small business owner, or a member of a rural community, our rural financial counsellors are here to support you in finding financial stability and security. They will listen to your concerns and work with you to develop practical solutions to help you achieve your goals.

Rural Financial Counsellor

Garrie Mallon

Garrie grew up in regional NSW as part of a family farming business. He has worked in various roles on...

Rural Financial Counsellor

Sue Riley

Sue has been working with farmers for the past 18 years in roles that have involved engaging with farmers who...

Rural Financial Counsellor

Tammy Galvin

I come to the Rural Financial Counselling Service with more than 25 years in State Government and Local Government (Riverina...

Rural Financial Counsellor

Robyn d’Argent

Prior to this new role, I was a Senior Financial Counsellor, working as a standalone Financial Counsellor, in Victoria for...

Rural Financial Counsellor

Justin Luckel

Justin grew up in southeast Queensland spending time on family members farms and has an extensive agricultural background.

Rural Financial Counsellor

Rhianna Cameron

I grew up in Newcastle NSW where I completed my schooling and helped out in my parents’ news agency business...

Rural Financial Counsellor

Kerry Connor

Kerry Connor grew up on a merino sheep stud and cattle property near Bathurst NSW. With her husband, they run...

Rural Financial Counsellor

Peta Comitti

I am an enthusiastic and outgoing individual who was born and raised on a sheep station in Far West NSW,...

Rural Financial Counsellor

Glen Stewart

Glen has been in the banking industry as a bank manager and residential lender for 19 years.

Rural Financial Counsellor

Cathy McLinden

Cathy and her family moved to Forbes 10 years ago, which was a big switch up from her usual life...

Rural Financial Counsellor

Graeme Witte

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

Rural Financial Counsellor

Vicki Hall

Prior to this role as a Rural Financial Counsellor, Vicki worked at Rural Assistance Authority as an Assessment Officer working...

Rural Financial Counsellor

Sue Bunyan

I started with RFCS in January 2021 as a Counsellor for the Dubbo/Orange areas. I then made the switch to...

Rural Financial Counsellor

Peter Muirhead

Peter initially joined the RFCS in September 2007. He brought with him significant knowledge of various agricultural industries through over...

Rural Financial Counsellor

Jess Keemink

Jessica has been with RFCS since February 2020. She hit the ground running commencing as the first point of contact...

Rural Financial Counsellor

Victoria Boag

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

Rural Financial Counsellor

Danielle Davenport

Danielle joined the RFCS as a Rural Financial Counsellor after working with the RIC and RAA seeking a role that...

Rural Financial Counsellor

Dave Waters

My wife and I operate a mixed farming enterprise in the Mendooran and Albert districts, merino sheep, trade cattle and...

Rural Financial Counsellor

Clare Boardman

Clare has a lifelong interest in agriculture and has had many years of experience working and engaging with farming clients...

Rural Financial Counsellor

Elke Cleverdon

Elke is a strong proponent of sustainable agriculture and regional development. She has worked as a rural financial counsellor since...

Rural Financial Counsellor

Linda McLean

Linda lives on a sheep grazing property near Hillston. She has qualifications in business and accounting, has attained her Diploma...

Rural Financial Counsellor

Olivia Coulahan

My background consists of 23 years banking with 3 of the major banks in various locations around Australia primarily as...

Rural Financial Counsellor

Allison Davis

Allison has spent most of her life living and working in the agricultural sector in NSW. Having grown up on...

Rural Financial Counsellor

Julie Casey

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

Rural Financial Counsellor

Marianne Simpson

Marianne grew up on the land and is heavily involved in her region. She was born and bred in the...

Rural Financial Counsellor

Bonnie Hayes

Prior to working in her role at RFCS, Bonnie spent the better part of the last 10 years floating around...

Rural Financial Counsellor

Kate Justin

I grew up in Scone, NSW on my family’s dairy farm which was later transformed into a thoroughbred agistment property....

Rural Financial Counsellor

Nikki Fletcher

Nikki started with RFCS in March 2023 as a Rural Financial Counsellor servicing the Wollongong, Shellharbour, Kiama and Shoalhaven regions...

Rural Financial Counsellor

Currently Recruiting

Cootamundra-Gundagai

We are currently recruiting a Rural Financial Counsellor for the Cootamundra-Gundagai area.

Rural Financial Counsellor

Currently Recruiting

Berrigan, Federation

We are currently recruiting a Rural Financial Counsellor for the Federation and Berrigan areas.

Rural Financial Counsellor

Currently Recruiting

Weddin

We are currently recruiting a Rural Financial Counsellor for the Weddin area.

Small Business Financial Counsellors

Small Business Financial Counsellor

Flick Hamilton

Flick joins us in Wagga Wagga as a Small business coach. Growing up working in her family’s small business on...

Business Analysts

Business Analysts

Jade McGovern

Jade joined our service in January 2023 to assist our Central Region team of Rural Financial Counsellors with admin and...

Business Analysts

Kelly Churchill

Kelly has been with RFCS NSW for a total of eight years and has assisted many counsellors with transactional work...

Business Analysts

Rebecca White

I grew up on a property outside of Dubbo in Ballimore NSW and my family were horsebreakers and trainers.

Business Analysts

Anke Rudolph

Born and raised in South Africa, Anke has been in Australia for 8 years.

What Our Clients Say

"It has allowed me to continue with my business when I thought all was lost."

"They have been a great assistance in guiding us through the quite complex application process for the Farm Household Assistance program."

"Tony's knowledge was very beneficial when applying for the Farm Innovation fund. The up to date information via email helpful."

"Very helpful in understanding how to fill in certain forms needed, for the Farm Household allowance. Also had plenty of information on other loans available for our business."

"Encouraged pro-active actions, and assisted with strategic business planning and cash flow preparation to enable us to secure the RIC loans and Drought Loans. Also provided valuable assistance, which is giving us more confidence in our negotiations with the bank."

Latest News

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We are very excited to be a part of this years Irrigated Ag Conference in Moama!This event brings together researchers, experts, key thinkers and primary producers, providing a platform to delve into the realm of irrigated agriculture. Across 5 massive sessions, discover innovative approaches, explore major challenges, and seize opportunities as we discuss issues shaping irrigated agriculture.📌 Rich River Golf Club, Moama📅 Friday 21st July⏰ 9am - 5pm💲 ICC Members $80 General $90For more information or to register head here 👉 irrigatedcroppingcouncil.com.au/2023-irrigation-insights-conference/ We look forward to seeing you there!...#irrigationinsights #irrigatedcc Irrigated Cropping Council ... See MoreSee Less
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📈 The formula for farming profit success 📈Knowing how much income your farm needs to generate is an important question for farming success but it’s not always an easy one to answer. A basic understanding of your farm’s income, expenses and your profit target is a good starting point. Your farm income must cover all the running costs of the farm to produce a farm profit, and this profit is what pays back loans, pays taxes and is available to re-invest in your business as well as pays for your living expenses. So, to answer the question “How much income does the farm need to make?", it is sometimes better to first determine how much profit is required to pay for these things. Having a profit target helps to understand the size and type of business you need to produce the income you require. We can use this simple formula below: Farm profit target = Farm income - direct expenses - overhead expensesNeed help with the process? Our team is here for you with free, confidential, and ongoing support. Make an appointment with RFCS NSW today on 1800 319 458. ... See MoreSee Less
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Attention Walgett, Bourke, Wilcannia, Nyngan and Dubbo‼️ It's your turn for our FREE Navigate Your Farming & Small Business Natural Hazards workshops.You will learn how to identify and evaluate your financial risks associated with natural hazards, develop your business risk action plan and gain access to support to integrate risk management into your business planning.This is a chance to share your thoughts and opinions as well as finally putting the plan in your head onto paper.For more information or to register head here 👉 rfcs-nsw.microsoftcrmportals.com/homeThe Disaster Risk Reduction Fund (DRRF) is jointly funded by the Australian and New South Wales governments.Walgett Shire Council Bourke Shire Council Central Darling Shire Council Bogan Shire Council Dubbo Regional Council ... See MoreSee Less
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The Rural Financial Counselling Service Program is funded by the Australian Government and the New South Wales Government and is administered by the Department of Agriculture, Fisheries and Forestry