Medical Professionals Specialist Advisers
Michelle oversees the National Medical Segment at Perpetual Private.
Michelle is passionate about helping medical specialists realise the importance of taking care of their financial affairs. Drawing on her 15 years of experience, Michelle applies her expertise and technical knowledge to help doctors understand the impact of how starting to plan early can have a significant impact on their lifestyle when they want to start reducing the number of hours they work.
At Perpetual, Michelle works with a specialist team of advisers who guide doctors through easy to implement, action steps to create financial security for themselves and their families, allowing them to spend more time doing the things they enjoy most.
Outside of work Michelle loves spending time with her husband and two children. She enjoys playing tennis, going for walks and to the beach, and exploring Sydney.
George is a Specialist Medical Senior Adviser at Perpetual Private, specialising in providing comprehensive advice solutions to medical professionals.
George's experience in the medical industry began as a Cytogeneticist for Sydney IVF (now known as Genea) for approximately 12 years, specialising in prenatal diagnosis.
After completing his Diploma of Financial Planning, George began working with NAB Financial Planning and worked in various advisory roles within the organisation, including Retail Bank, Business Bank and finally transitioning to NAB Health, providing tailored financial advice to medical professionals for over 4 years, gaining a clear understanding for the needs of medical specialists. George joined Perpetual as a Specialist Medical Senior Adviser in 2014. .
Matthew is a Specialist Medical Senior Adviser in Perpetual’s Sydney office.
Matthew joined the finance industry in 2008 and has developed skills in many areas, leveraging the knowledge gained in his Financial Planning Degree and other studies.
Matthew devises holistic strategies for clients, drawing on his experience, technical and product knowledge.
Matthew relates strongly to clients in all situations, he is devoted to helping clients make the most of their opportunities and placing them in the best possible position to achieve their goals.
Phill works as a Specialist Medical Senior Adviser based at Perpetual’s Sydney office.
As a specialist financial adviser, he has been providing tailored financial and strategic advice to Medical Specialists and HNW clients since 1989. For the first 18 years of his career, Phill worked as a financial adviser in the UK, before emigrating to Australia with his family in 2008.
Prior to moving to Australia, Phill held senior management and advisory positions in two of the UK's largest financial institutions. In 2000, he was a founding partner in one of the UK's largest privately owned Independent Financial Advisory firms.
Due to his extensive experience, Phill is a highly sought after presenter on financial matters at conferences and seminars, where his presentations are always well received due to his ability to explain complex financial strategies in ‘plain English’.
Phill’s expertise extends across a broad range of financial matters including tax effective investment strategies, superannuation, personal and business risk management, as well as debt management.
Phill is an Associate Financial Planner AFP, holds a Diploma of Financial Planning and is an active member of the Financial Planning Association of Australia.
James as a Specialist Medical Senior Adviser – Risk at Perpetual’s Sydney office provides specialised risk protection advice.
James first began providing financial advice in 2005.
Prior to Perpetual, James has experience as a Business Protection Specialist at NAB working with medical professionals, their families and business partners and as a Senior Financial Planner working with 'premium' clients at CBA.
Warren works as a Specialist Medical Senior Adviser based at Perpetual’s Sydney office.
Warren has been providing financial advice to clients since 1990 and has been involved in the financial services industry since 1985.
Prior to establishing his own practice in 1990, Warren worked for one of Australian's largest financial institutions, providing training services and technical assistance to many of Australia's pre-eminent financial advisers. Warren has also held senior product development positions within another of Australia's largest financial groups.
Today, as a specialist financial adviser to healthcare professionals and HNW clients, Warren works closely with clients to help them build and protect their wealth by designing and implementing strategies that dovetail with their personal and financial goals. This often involves working hand in hand with a client’s tax accountant and estate planning lawyer to achieve end to end financial solutions.
Due to his extensive background and experience, he is regularly asked to advise both domestic and international banks, fund managers, and insurers on product development initiatives that aim to address the unique needs of healthcare professionals.
Warren holds the internationally recognised Certified Financial Planner ® or CFP ® qualification and has completed a Diploma of Financial Planning. Warren is active within a number of professional associations including the Financial Planning Association.
Rachelle is a Specialist Medical Senior Adviser at Perpetual’s Canberra office and joined the financial services industry in 1999.
Prior to joining Perpetual in 2009, Rachelle was a Senior Financial Adviser with Civic Financial Planning.
Rachelle has extensive experience in the Commonwealth Public Sector superannuation schemes.
Rachelle can provide sophisticated strategic advice in relation to retirement planning, superannuation, wealth creation and investment management.
Sam is a Specialist Medical Senior Adviser at Perpetual Private and joined the Financial Services industry in 2007.
Sam initially joined Perpetual as an Associate Adviser in 2013, providing technical expertise in superannuation, retirement planning and investment management.
Prior to joining Perpetual, Sam also worked as an Associate Adviser for Arrow Wealth Management.
Sam enjoys working closely with clients in helping them to achieve their wealth goals through a disciplined and strategic planning approach.
Tony is a Specialist Medical Senior Adviser at Perpetual’s Melbourne office. Tony provides high level strategic bespoke investment and risk protection advice to best meet clients' needs, goals and objectives.
Prior to joining Perpetual Private, Tony was an Executive Director and Private Client adviser with FSS Advisory Pty Ltd, where the focus was on high net worth and ultra high net worth complete with client financial care. Previous roles include Westpac Commercial & Corporate within their High Net Worth adviser group.
Tony has a Bachelor of Education, Diploma in Financial Planning and is a Certified Financial Planner®, SMSF, ADA1, Margin Lending and a member of the CFP® advisory board.
Bruce is a Specialist Medical Senior Adviser in Perpetual's Perth office.
Bruce provides a high level of strategic and investment advice to clients tailored to their individual needs and goals.
Before moving to Australia, Bruce had a successful career in London at UBS Wealth Management and Merrill Lynch Wealth Management where he provided investment and strategic advice to high net worth clients.
In Australia, Bruce was an Executive Financial Adviser at Dixon Advisory prior to joining Perpetual.
Bruce specialises in helping clients build towards their retirement in the most tax efficient manner and to manage their retirement assets.
Daniel is a Specialist Medical Senior Adviser at Perpetual's Perth office and joined the financial services industry in 2008. He provides financial solutions for high net worth clients and their families.
Daniel specialises in working with Medical Specialists and Native Title Groups. Client focus with high levels of integrity and advocacy has defined Daniel’s career.
Vicki is a Specialist Medical Senior Adviser at Perpetual’s Brisbane office and joined the financial services industry in 1994.
Vicki is an experienced practitioner who uses her accountancy and financial planning skills to provide insightful wealth management solutions for her clients.
In working with clients she considers all aspects of their situation to offer strategies that assist building and protecting wealth.
Vicki also works closely with lawyers and accountants to assist clients who have lost the ability to look after their own affairs due to illness, injury or advancing age. She also assists these professionals to help clients needing an independent party to act as trustee for a trust, executor of an estate or other roles usually fulfilled by the client or a family member where these parties are unable to act.
Mark is a Specialist Medical Senior Adviser at Perpetual's Adelaide office and has been with the financial services industry for over 10 years.
Leveraging his extensive experience in accounting, banking and financial planning, Mark has a deep understanding of the unique financial requirements for medical professionals and is devoted to helping his clients achieve their goals.
Mark’s expertise extends across a broad range of financial matters including investments for Self -Managed Superannuation Funds and Not-For-Profit organisations, retirement planning, taxation and risk insurance.
Prior to joining Perpetual, Mark worked as a Commercial and Private Banker for a Big 4 bank as well as an accountant for one of the world's largest accounting practices where he gained his Chartered Accountant qualification.
He is a board member of the Mental Illness Fellowship of South Australia and a mentor for the University of South Australia.
Accountants’ Partnership Executives
Caitriona joined Perpetual’s Philanthropy team in January 2013 and is responsible for supporting Perpetual’s commitment to Philanthropy and the not-for-profit sector.
With over a decade of philanthropic and grantmaking experience in both Australia and Europe, Caitriona has an extensive understanding of national and international funding approaches and mechanisms.
Caitriona is a former Chair of Philanthropy Australia’s Education Affinity Group. As an inaugural team member of the Leading Learning in Education and Philanthropy (LLEAP) research project, Caitriona possess a high level of understanding relating to the trends and challenges in the philanthropic sector within Australia. Her sector knowledge and standing was affirmed in 2012 when she was named the Australian Institute of Grant Management’s inaugural Grantmaker of The Year.
Caitriona is currently completing a Masters of Business (Philanthropy and Nonprofit) at the Queensland University of Technology and is a Board Member of Schools Connect Australia.
Jane is a senior philanthropy specialist with significant experience and knowledge of the private wealth and not-for-profit sector.
Jane provides support to families and individuals who wish to structure their giving and establish a charitable Foundation or Endowment. She also works closely with philanthropists to formulate giving strategies to ensure that their resources are utilised to achieve outcomes and make an impact in the communities in which they seek to support.
Jane has a strong governance background having completed a Bachelor of Business and is a Graduate of the Australian Institute of Company Directors.
Meghan is passionate about philanthropy and the potential it has to influence social change. Her role as Manager – Philanthropy and Non-Profit Services enables her to work with philanthropists to achieve their charitable goals.
Prior to her current role, Meghan worked as Program Area Manager in the philanthropy team where she was responsible for funding methods which focused on Positive Ageing. In addition she developed a strong understanding of governance and the legal requirements necessary to ensure best practice within the philanthropic sector. Before joining Perpetual Meghan worked in the not-for-profit sector in fundraising and community engagement roles.
Meghan has over eight years’ experience in the philanthropic and not-for-profit sectors.
Native Title Trusts and Investments team
John has extensive experience working with Aboriginal Trusts and communities across Australia. His strong understanding of Aboriginal culture and issues has been strengthened by his current tertiary education in a Masters of Aboriginal Studies at University of South Australia.
John has 30 years experience in the financial services industry. He has held roles in sales and marketing, consulting and business development. For the past 15 years he has held senior regional executive roles as SA and NT State Manager for AMP and most recently as SA State Manager for Perpetual Private.
John has held various board positions including The Make A Wish Foundation's National and International Boards, the latter as Chair for two years. He is currently a member of the board of The Medical Research Foundation in SA, a position he has held for 10 years.
John has tertiary qualifications in Marketing, Superannuation Management and Insurance.
Glen is very involved in working with Aboriginal communities and groups and some of these relationships date back to the early 80’s. He works with five Native Title trust clients and is constantly travelling to meet with traditional land owners.
He held association positions in the early to mid '90s working with CRA when native title and support of indigenous communities became a reality.
Glen started his career with Westpac in 1978 and has been involved in financial services for 30 years. He lived and worked in Broome for 15 years and founded a financial services business in 1990 which focussed on insurance and financial planning in Broome and the Kimberley area. Glen also lived and worked in Kojonup during his early career.
Glen has a passion for football, having coached predominantly Aboriginal teams. Glen also coached the Kimberley and Pilbara representative team in 1995 and 1996.Glen has maintained strong ties with Shenton House at UWA, where his son Ashley attained his degree in 2007. Ashley was awarded “Outstanding Male Aboriginal Year 12 Student in 2003”. Through this association, Perpetual has been the principal sponsor of the “Western Wagyls” that participates in the NITESG games for 3 years running.
Pamela Kaye is a lawyer with 14 years’ experience working with Aboriginal clients. Pamela worked for Yamatji Marlpa Aboriginal Corporation, which is the Native Title Representative Body for the Murchison Gascoyne and Pilbara Region of WA for five years, progressing native title claims and advising Aboriginal clients in their ILUA negotiations with mining companies in the Pilbara region of Western Australia.
Pamela then worked for DLA Phillips Fox in the mining and energy team. She advised on and assisted with the negotiation and implementation of land access agreements between developers and Aboriginal groups across Australia, including in the Noongar region. She also appeared regularly before the National Native Title Tribunal in mediation and arbitration proceedings.
Pamela has extensive experience assisting developers to identify and properly engage with affected Aboriginal groups and individuals. She is frequently asked to participate in difficult or controversial projects because she is able to think innovatively and deliver solutions. Pamela has significant management experience and has built broad community consent to controversial projects through structured systems of engagement. This has involved managing stakeholder engagement, government relations, mining projects, tenure and environmental approvals.
As a Trust Manager for Perpetual, Pamela specialises in implementing strong governance structures to ensure that boards and advisory councils make informed decisions, based on professional advice, which are in accord with community goals and aspirations.
Andrew leads a national team of fiduciary, investment and advice professionals who partner with clients to help them achieve outcomes within their communities. The Community & Social Investments team forms part of Perpetual’s high net worth advisory business, Perpetual Private, encompassing Not-for-Profit and native title mandates as well as Philanthropic relationships. Andrew is the chair of Perpetual’s Reconciliation Action Plan working group and a member of the Perpetual Trustee Company Limited Board.
Prior to this role Andrew was Perpetual Private’s NSW & ACT State Manager for six years, where he helped individuals, families and Not-for-Profit organisations to manage their unique and complex financial requirements
Andrew joined Perpetual over 10 years ago as a Senior Financial Consultant where he was responsible for introducing new high net worth clients into the business.
Andrew started his career working with an independent financial planning group before relocating to London and then Hong Kong to work in funds management. On his return to Australia, Andrew held roles both as a financial adviser and Head of Premier Services NSW at a large Australian retail bank.
Lachlan has been working in the native title trust industry for more than five years and has developed extensive experience working with Aboriginal communities and Trusts across Australia. He feels privileged that through his work he has been able to learn the Aboriginal culture and the connection to country that Aboriginal communities promote.
Lachlan has over 15 years’ experience in the financial services industry. He has held roles in sales and marketing, consulting and business development. For the past five years Lachlan has held senior regional executive roles as SA, WA and NT State Manager for ANZ Trustees and Equity Trustees and most recently as a specialist Adviser on native title trusts for Perpetual Private.
Lachlan has been involved extensively with the Noongar people throughout this time, having established the trusts and held the relationships with the Wagyl Kaip and South West Boojarah claim groups. He was also critical in the establishment and function of the Noongar Charitable Trust that undertook a property development joint venture in Gnangara.
Lachlan has tertiary qualifications with a Bachelor of Commerce majoring Finance and Commercial Law. He has also completed a graduate diploma in Financial Services that included study in Investment Management, Superannuation and Insurance.
NFP and Charity Team
Scott's specific focus is working with not-for-profit entities and endowments to manage and protect their investment assets.
Scott joined Perpetual after a 30 year career in global financial institutions, having worked for a number of blue-chip investment and institutional banks in Australia and abroad.
He has a Masters in Applied Finance, a Bachelor of Commerce and a Diploma in Financial Planning, is a Graduate of the Australian Institute of Company Directors and a Trustee Fellow of the Association of Superannuation Funds of Australia. He is a Board Member of the Nature Conservation Trust of NSW and of the Cemeteries and Crematoria Agency of NSW.
Scott is a member of the Perpetual Trust Company Investment Committee.
Daniel has a deep understanding of the unique needs and strategic objectives of not-for-profit organisations and helps them develop best practice investment policies as well as connecting them with Perpetual’s philanthropic resources.
Prior to joining Perpetual, Daniel was Senior Financial Adviser to the Private Clients of Halifax Bank of Scotland Australia (HBOSA) and HSBC Bank Australia.
His international experience was gained in Canada as a Financial Adviser for nine years with Assante Capital Management.
Andrew is a Senior Adviser in Perpetual’s Adelaide office and has worked within the financial services industry since 1999. He has been practising as a Financial Adviser since 2004.
Andrew’s role at Perpetual is focused on the non-profit and philanthropic sectors primarily as a senior investment adviser and relationship manager for his clients. Andrew works with his clients around the strategy and objectives of the organisation and understands the complex nature of this area. Services can range from investment policy and governance to portfolio management, all the way giving his clients access to all the additional services Perpetual has to offer around the philanthropic space.
Prior to joining Perpetual, Andrew held financial planning roles with Australian Executor Trustees as well as a smaller accounting firm where he learnt his craft and completed his studies.
Andrew currently holds a Masters of Financial Planning which he completed in 2016 through Kaplan.