About us

Who we are

DFM Financial are based in Coffs Harbour and Burleigh Heads. Since 1990 we have been servicing clients from all over NSW and QLD and are dedicated to helping each of them achieve their goals.

We've been passionately helping our clients explore, plan, track and ultimately realise their goals. But, we cannot do any of that without a focus on building strong relationships with our clients. It's our main priority.

So we make sure we listen to your needs and take time to understand your unique set of circumstances. We're transparent about how we work and how we charge, which puts us in good stead to be able to deliver you with advice and solutions tailored to your life, needs and ambitions.

 

Our financial planning expertise

Our team of experts are well equipped to help you reach your goals. We have experience across a range of areas including cash flow management, tax, insurance, superannuation, retirement planning, investment planning, estate and aged care planning, business succession planning for business owners and mortgage and accounting services.

The better the plan, the better the outcome. Starting with your goals, we can help you look at ways to achieve them, while also helping you meet your other priorities. Some of the areas we can look at with you include:

  • How you are spending and saving your money
  • How you can simplify your finances to easily keep on top of them
  • How you can make your money work harder for you

Meet our team

Our goal is to get to know you and understand what’s important to you so we can create a personalised plan that gives you the best chance of realising your goals. 

Find out more about each of us below.

Our advice team

Principal - Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Principal - Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Principal - Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Christopher Kirkaldy

Principal - Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Certified Financial Planner Practitioner
Advanced Diploma of Financial Services (Financial Planning)
Degree in Business Management
SMSF Specialist Advisor
Justice of the Peace

Financial Planning Association (FPA)
SMSF Association

Chris is a Certified Financial Planner and Principal of DFM having commenced his financial planning career in 2004.  He is responsible for the management of all facets of the business including acquisitions, operations, strategic planning and development as well as mentoring and training of the human assets side of the business.  Chris is also a SMSF Specialist Advisor.

He enjoys spending time with his four daughters and wife. He has lived in the Coffs Harbour area for fourteen years after having completed his schooling in Sawtell. In the past, he has worked in far North Queensland and the outback of Western Australia.

Chris believes that whatever the client's future goals and needs, it is vital to establish an ongoing financial plan to meet those needs and achieve those goals.

Chris is committed to making a difference by actively engaging with clients and providing them with information and clarity to enable them to take control of their financial future with confidence.  


Andrew Garner

Principal - Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Advanced Diploma of Financial Services (Financial Planning)
Certificate IV in Financial Services (Mortgage Broking)
Justice of the Peace

Finance Brokers Association of Australia (FBAA)
Financial Ombudsman Service Limited

Andrew has been involved in financial planning since 2002.  He is a Principal of DFM and is responsible for the strategic research, innovation & development of the business.  He is one of the main drivers in assisting the business to continually grow.

Andrew was born in Nambucca Heads and moved to Coffs Harbour 20 years ago.  He has a passion for fishing as well as spending quality family time with his wife and two children. Travelling is also a favourite pastime and he looks forward to the freedom that a long planned holiday can allow.

Andrew gains satisfaction from helping clients to achieve their financial and personal goals by providing the best possible client experience.  He personally enjoys the challenge of the day-to-day operations of the industry and with that comes the bonus of gaining a wider knowledge.

Andrew is passionate about providing personalised affordable customer service and professional financial advice to his clients so that they can achieve the important milestones in their life.


Khane Duncan

Principal - Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Advanced Diploma of Financial Services (Financial Planning)
Certificate IV in Financial Services (Mortgage Broking)
Justice of the Peace

Finance Brokers Association of Australia (FBAA)
Financial Ombudsman Service Limited

Khane started his career in financial planning in 1998 when he joined Duncan Financial Advisers which was commenced by his father in 1990.

Khane is a Principal of DFM and is responsible for the strategic development of the business.  He has a straight-to-the point approach with his clients.

In his spare time, he enjoys wake boarding on the river with his wife and his six children. Most mornings you will find Khane at his local gym getting his mind and body on the same page before most of the world wakes up.

Khane can assist with a range of financial planning needs, catering to all stages of life. He takes the time to get to know his clients and their circumstances and then tailors advice to suit individual needs. 

Khane is focussed on driving development of the business with a view to making a difference by building a business that allows all DFM Finances  clients to achieve their goals in life.


Allan Day

Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Diploma of Financial Services (Financial Planning)
Justice of the Peace

Financial Ombudsman Service Limited

Allan has been providing professional financial planning advice and solutions since 1994 when he commenced operation as a Financial Planner servicing clients in southern Queensland and northern New South Wales.

Allan prides himself on the high quality relationship he develops with each one of his clients.  He endeavours to take away their concerns over their investment decisions, asset allocation, reducing taxes and ensuring they will have enough to support their dream lifestyle through retirement.

Financial education of his clients is one thing Allan focusses on by assisting them to understand their goals and how to achieve those goals.  And with that knowledge he is dedicated to empowering his clients to make financial decisions for their future.

Allan is dedicated to working with DFM's valued clients to achieve their goals, create wealth and increase their security. 


Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Credit Adviser

Credit Representative of AMP Financial Planning

Credit Adviser

Credit Representative of AMP Financial Planning

Michael Brear

Financial Adviser

Authorised Representative and Credit Representative of AMP Financial Planning

Diploma of Financial Services (Financial Planning)

Financial Ombudsman Service Limited

Michael has been involved in financial planning since 1999.  Michael worked in the banking industry for 26 years before deciding to spread his wings and move to DFM. Based on the Coffs Harbour coast since 2010, Michael is a devoted father to two children. An avid soccer player and coach, he enjoys downtime with family and friends and his beloved dog, Maxie.

Michael loves assisting his clients reach their goals and objectives.  He keeps things simple and explains what can be a confusing topic in simple, down to earth language that the client will understand.  He is passionate about his clients leaving his office with a very clear understanding of what has transpired and been discussed.  .  Financial planning can be confusing, Michael will take that confusion away.

Michael's goal is to significantly improve his clients personal and financial position by providing the best financial advice in a language that is easily understood. 


Nicholas Dosanjh

Credit Adviser

Credit Representative of AMP Financial Planning

Bachelor of Business
Bachelor of Economics
Certificate IV in Finance and Mortgage Broking

Financial Ombudsman Service Limited
Finance Brokers Association of Australia (FBAA)

Nick commenced with DFM two years ago after completing his studies at the University of New England (UNE) in Armidale. He has added to his qualifications by undertaking studies in mortgage broking.

Nick enjoys the challenge of assisting his clients to achieve their personal goal of acquiring their own home and finds it extremely rewarding to be able to provide the best service possible to assist them on their life journey.

Nick was born in Woolgoolga in a family of 6. An avid sportsman he enjoys participating in touch football, cricket going to the gym regularly.  Nick is also a cricket coach for up and coming players in the region.


Rees Duncan Jnr

Credit Adviser

Credit Representative of AMP Financial Planning

Diploma of Financial Planning (Financial Planning)
Certificate IV in Financial Services (Mortgage Brokering)
Justice of the Peace

Financial Ombudsman Service
Finance Brokers Association of Australia (FBAA)

Rees joined his father in his financial planning business in 1994. In 2005 Rees became a Certified Financial Planner, specialising in wealth management and retirement planning. Rees has since changed roles within DFM, now heading the finance brokering arm and is based predominantly out of the Burleigh Heads office.

Rees enjoys the challenge of finding the most appropriate lending solutions for DFM’s clients while providing structured debt advice and debt minimisation strategies.

In his down time Rees enjoys competing in wave skiing events at an Australian and International level as well as watching his two boys play state league soccer.


Our goals coaches

Goals Coach

Alexandra Pepper

Goals Coach

Certificate II -Business Administration
Certificate III – Business Administration

Alexandra joined DFM in 2017 as a goals coach and enjoys seeing how exploring goals can help change her client's outlook for their future. She feels grateful to be able to work in a role where she can help make a difference to the lives of her clients.

Prior to her goals coach role, Alexandra worked in the insurance and financial planning industries as a client service assistant.

She's passionate about people and families, as well as the idea that using finances in the right way can help you live well. She's spent many years building relationships with practice clients, taking time to understand their needs and providing them with support required.

Alexandra's long term goal is to purchase a few acres near the coast, raise a family and have a balanced work life schedule. 


Our support team

Practice Support Manager

Practice Support Manager

Client Liaison

Client Liaison

Danielle Fisher

Practice Support Manager

Diploma of Financial Planning
Diploma of Fashion Design

Financial Ombudsman Service Limited

Danielle commenced with DFM in 2015 and has worked in the Financial Planning industry for the past 10 years. Prior to her move to DFM she worked in her father's successful financial planning company in Sydney where she was the lead para planner and managed 20 financial planners in training, administration, and compliance.

Although an Authorised Representative, Danielle wears many hats in our office with her primary role as a Practice Support Manager at our Burleigh Heads office.

She is married and has two young children. Danielle's other passion is fashion design.


Robyn Wills

Practice Support Manager

Diploma of Frontline Management
Diploma of Training and Assessment
Justice of the Peace

Robyn commenced with DFM Practice Support Manager in 2013.  Her role encompasses all areas of compliance and general office management.

Robyn has had 10 years' experience in banking and 25 years' experience in training and assessment. For 20 years she was the Director and Operations & Compliance Manager of a Registered Training Organisation which she commenced in 1989.  She has also had experience in running her own businesses for 26 years including all facets of marketing, operations, human resources management and business administration.

Robyn is almost a local having made Coffs Harbour her home in 1981.  She enjoys spending time with her six grandchildren as well as travelling domestically and internationally.


Katherine Wicks

Client Liaison

Bachelor of Commerce

Katherine commenced work with DFM in 2016 and has over 10 years' experience working for a funds management company in Sydney as a funds administrator, team leader and AML specialist.

As a Client Liaison she provides dedicated support to our clients in our office in Burleigh Heads.

Katherine enjoys living on the Gold Coast after living in Sydney for the previous 13 years.


Simone Purves

Client Liaison

Diploma of Business

Simone role as Client Liaison includes a range of different tasks, her duties involve being an assistant to the Mortgage Broker alongside being an assistant to the Financial Adviser team. 

Prior to joining DFM, Simone worked as an Insurance Brokers assistant for five years and before that she worked in Public Service in Canberra. She has gained extensive experience at Comcare, Family and Community Services and the Department of Health.

After living in Canberra, Simone returned to Coffs Harbour six years ago.  She enjoys spending time with her husband and two children.


Client Liaison

Communications Officer

Mortgage Broker Support

Toni Relf

Client Liaison

Certificate III in Financial Services
Justice of the Peace

Toni has been involved in the insurance and financial planning industry for 32 years, having been with DFM at our Coffs Harbour office for the past 10 years. 

As Client Liaison she provides dedicated support to our clients including enquiries in relation to superannuation and investment accounts, insurances, Centrelink.  Toni also provides practice support to our Financial Advisers.

She enjoys travelling with her husband in their caravan and has one daughter and one grandchild.


Rees Duncan Snr

Communications Officer

Rees undertakes the role of Communication Officer. He is based in the Gold Coast area but has contact with clients across the five locations of the business. Rees has a long history with DFM Financial having been the founding member of the business 28 years ago.

Whilst Rees originates from Grafton he has spent many years in the Coffs Harbour area.

He continues to be active in waters sports, sailing and bike riding.


Rees Jye Duncan

Mortgage Broker Support

Financial Services (Mortgage Broking)

Rees Jye Duncan is the newest member to join DFM Financial and is the third generation of Duncans to join the business as well as the third generation Rees to work under the DFM name.

In 2016 Rees completed his qualifications in Financial Services (Mortgage Broking). He works hand in hand with his Dad (Rees) to find the best lender for the client's needs and goals.

In his spare time Rees loves being on the water and spearfishing with his friends. He also plays soccer at semi-professional state league level.


Accreditations

DFM Financial in Coffs Harbour and Burleigh Heads is accredited with the highest standards of professionalism and advice. Click on the logos below for more information. 

Community

DFM Financial Group participates in the AMP Cancer Council Pro Bono Program whereby it assists families affected by cancer restore some peace to their lives during difficult times.

DFM's Financial Advisers donate their expertise to cancer patients free of charge.

 

Find out what our clients have said

Testimonials