Our advice team

Rayya Afkhami CFP®

Private Client Adviser 
Representative of ipac

Diploma of Financial Planning
Member of the Financial Planning Association of Australia

Rayya is a passionate Financial Planning professional who has a strong focus on guiding and advising clients to achieve their financial freedom with 10+ years practice experience.

Rayya focuses on ways to enhance the client experience to ensure they are in a better position than prior to seeking advice and enjoys being visible and approachable. She believes the most rewarding responsibilities are advising and mentoring clients to achieve all the facets of their financial planning goals and needs and helping them tick all the boxes.

Rayya has an Advanced Diploma Financial Planning, Certified Financial Planner ® FPA and is currently working towards a Postgraduate in Financial Planning.

Outside of the office, Rayya enjoys spending quality time with family and friends and leads a healthy, active lifestyle, engaging in weight and resistance training and practices hot yoga and at times leads classes.

Daniel Anderson

Private Client Adviser 
Representative of ipac

Diploma of Financial Planning

Daniel is a highly skilled and driven with 5 years of experience as a Financial Adviser. During that time, he has dedicated himself to providing clients with ongoing holistic, ethical and goals-based advice, and he is passionate about helping his clients achieve financial security and freedom.

Before starting his career in wealth management, he has always had an enthusiasm for financial and economic matters and this interest has grown into a career of helping clients realise their financial goals. Daniel believes that more Australians should receive financial advice to improve their situation and understanding.

Daniel provides his clients advice in retirement planning, wealth management, investment strategies, superannuation advice, estate planning, SMSF and risk advice. Retirement can be an uncertain stage of life, however with thoughtful and considerate guidance, he aims to provide clients with specialised advice that allows them to confidently face their retirement. He helps clients meet their retirement goals whilst minimising tax and maximising any Centrelink entitlements and reducing the stress of having to manage their financial affairs.

Outside of work Daniel enjoys spending time with his family as well as keeping fit with running, basketball and beach volleyball. Daniel also likes to travel and snowboard.

Paul Burbidge CFP®

Private Client Adviser 
Representative of ipac

Certified Financial Planner® FPA
Masters of Financial Planning – USC
Advanced Diploma Financial Services (Financial Planning) - FINSIA
Diploma Financial Services (Financial Planning) - FINSIA

Paul has been working in financial services for more than 20 years and holds the professional CERTIFIED FINANCIAL PLANNER® designation. This is sought after by many consumers when seeking a Financial Adviser and one of the most widely recognised credentials in the financial planning industry.

He also holds a Master of Financial Planning, Advanced Diploma of Financial Services (Financial Planning) and a Diploma of Financial Services (Financial Planning). Due to his deep knowledge and understanding of client’s needs, he is also appointed by the Courts to provide advice to those with catastrophic injuries.

With a wealth of experience in assisting clients in building, protecting and the eventual transfer of wealth, he is able to assist clients in the development of appropriate highly effective investment strategies and structures that addresses their objectives and financial goals.

Paul is able to provide an understanding of what may be required, through clear direction and his approach to providing advice that takes into account a clients financial picture (whether an individual, business or SMSF) and stay on track to achieve their wealth objectives.

Source https://www.investopedia.com/articles/financialcareers/07/ different_designations.asp

Gareth Davies

Private Client Adviser 
Representative of ipac

BComm(Ec), Dip(FP)

Gareth has enjoyed a fulfilling career in the financial services industry for over 15 years previously working for companies such as JBWere/Goldman Sachs as Director | Wealth Manager; Elston Partners as a Senior Wealth Adviser; Private Client Holdings as Agency Owner | Wealth Manager and Old Mutual, a Fortune 500 company, as Financial Adviser.

Gareth specialises in holistic financial planning and investment management.  He has gained a strong technical knowledge in retirement planning, cash flow and budgeting, superannuation (incl. SMSF), investments outside super, savings plans and general wealth creation. 

Gareth enjoys delving deep into the heart of what is important about money for his clients and what affect it can have in their future.  Financial advice is about helping you live the life you desire, achieve dreams you have long held and enjoy your lifestyle now and into the future. 

Outside of work, he is a golfer, tennis, squash player, enjoys rugby and loves to hit the surf when he can with his three beautiful children and lovely wife Helene. Gareth puts his clients, family and friends first.

"Everything in life is negotiable except quality." - Gary Player

Marc Gratwick CFP®

Private Client Adviser
Representative of ipac

Certified Financial Planner (CFP®)
Bachelor of Commerce (Economics)
Diploma of Financial Planning
Member of the Financial Planning Association of Australia (FPA)

Marc has over 28 year's experience in the financial services industry with 17 of those as a financial adviser. In 2012 he joined the ipac AMP Advice team and continues to apply his expertise in assisting his clients plan successfully for build wealth and manage life transitions (such as retirement or change of employment).

Marc has a passion for providing solutions, choice and support to his clients. He can provide comprehensive personal advice and he has specialist knowledge in superannuation, retirement planning, constructing investment portfolios and Centrelink issues.

He takes great pride in building long-standing personal relationships with every client and will always seek to fully understand their particular goals and objectives before recommending any strategy or investment.

Vanessa Martin

Private Client Adviser
Representative of ipac

Advanced Diploma of Financial Services (Financial Planning)
Financial Planner AFP (FPA)

Vanessa has been in the financial services industry since 1986, with the last 21 years in financial planning, specialising in the area of retirement planning and Centrelink benefits since 2004.  She provides strategic investment and superannuation advice tailored to suit her clients’ individual circumstances through a wide range of managed investments, allocated pensions, annuities and superannuation funds.

Having started out in the industry at the beginning of her working career, Vanessa has built up a deep understanding of what clients want and expect from their financial adviser. She takes great pride in building long-standing personal relationships with every client and will always seek to fully understand their particular goals and objectives before recommending any strategy or investment.

Vanessa believes that the key to a good adviser/client relationship is trust, and she builds this with her clients by listening and being empathetic to their needs.  "I want my clients to know I am always there for them and that I am not just their financial adviser but a friend as well".

In her spare time Vanessa values simple things such as quiet time at home with her husband and catching up with family.  She enjoys spending time in her garden and takes great pleasure in watching things foster and grow under her nurturing care.

Nigel Moon

Private Client Adviser 
Representative of ipac


Nigel Moon started in the Financial Services industry in 2015 and provides financial advice to clients with money in motion events, varying from retirement, a career change, or a recent inheritance.

Before starting in the Financial Services industry, Nigel was a culinary artist and fitness entrepreneur.

Looking back, Nigel realised that he could have done a few simple things to avoid the financial heartaches of a career change. Whether you are transitioning to retirement, in retirement, or planning a career change, Nigel will be deeply invested in helping you to make sound financial decisions in this time of change and beyond.

Nigel has a firm and empathic approach to your needs. Through a network of professional advice and support, he can make the complex, simple, giving you peace of mind for your future.

When he’s not spending time helping his clients, protect and grow their wealth, Nigel is spending time with his family, enjoying nature, mastering spreadsheets, hitting the greens, or relaxing with a couple of beers watching the rugby.

With Nigel’s inherent need to help people, combined with his passion to provide the confidence, that financial freedom is a choice, not a luxury, made his decision to move into financial advice a simple one.

With that in mind, he would love to hear your story and chat about how he can help you take the next move towards financial independence. 

Hannah Nuku

Private Client Adviser 
Representative of ipac

Adv Dip FP, Dip FP, Member of AFA

Hannah has been in the financial planning industry since 2011 and in the financial services industry for over 9 years. During this time, Hannah has gained a strong technical knowledge in retirement planning, cash flow and budgeting, superannuation (incl. SMSF), investments outside super, savings plans, and general wealth creation. She also has a strong working knowledge of debt reduction strategies and holds a SMSF accreditation.

Hannah believes in building longstanding relationships with her clients and feels personally rewarded when clients achieve their goals. She prides herself on being very personable and approachable as well as having a knack for being able to translate the jargon into a clear and concise manner for clients to understand. By delving deep into client objectives, Hannah is able to formulate strategies tailored to clients individual needs.

She believes the key to clients success is firstly to identify and set clear goals and secondly, to commit to those goals with clear conviction. Her role as a Private Client Adviser is to nurture, guide and educate her clients, in a financial sense, to achieve their desired outcomes. She has experience in managing clients throughout their various life stages and is able to easily resonate with the different priorities prominent at every stage, to gain control of their financial future.

Hannah is currently studying a FChFP - Fellow Chartered Financial Practioner, the professional designation of the Association of Financial Advisers.

Outside of work, Hannah enjoys staying active as well as travelling abroad.

Michael Pagel

Private Client Adviser 
Representative of ipac

CFP® BBus(Mgt), GDipEc, DipFinPlan

Michael has over 20 years’ experience in the financial services industry with the last 10 years providing advice to his clients. Over that time, Michael has enjoyed having long-term productive relationships with his clients to help them build their wealth, so they may enjoy their desired lifestyle now and into retirement.

Michael likes to have a clear understanding of what is important to his clients (financially or otherwise) in order to determine the best way to manage their wealth and implement appropriate strategies to help them meet their priorities. He believes financial advice can provide structure and direction to ensure decision making and managing your money is not more complicated that it needs to be. Michael has expertise in wealth accumulation and protection, debt reduction, investments, superannuation, and retirement planning including Centrelink.

Jon Papinczak

Private Client Adviser 
Representative of ipac

BCom (Fin), DFS (FP)

Prior to joining AMP Advice, Jon worked in a boutique financial advice firm, assisting clients across a range of strategies and life stages.

During Jon’s time in the industry, he has developed specialist knowledge in tax minimisation, wealth accumulation, retirement planning, debt, and riskmanagement.

Jon has attained a Bachelor of Commerce Majoring in Finance from the University of Queensland and a Diploma of Financial Services (Financial Planning). He is also presently completing the highly regarded CERTIFIED FINANCIAL PLANNER™ (CFP®) professional designation.

Jon is a very resourceful and caring adviser who loves to build strong collaborative relationships with his clients.

When not in the office, Jon can be found out and about with his wife and young son making the most of the beautiful city of Brisbane.

Rachel Steigenberger

Private Client Adviser 
Representative of ipac

BBus (Marketing), Dip FP

Prior to joining AMP Advice, Rachel worked at another AMP licenced practice. It was here that Rachel’s passion for goals based financial advice was ignited, and her natural skill with technology was put to good use. She enjoys being at the cutting edge of the industry and helping her clients articulate and visualise their goals using AMP Goals 360 tools.

Rachel was initially trained as a Financial Adviser by the award-winning AMP Horizons program, where she graduated second in a group of 30 provisional financial planners. Academic excellence is something she strives towards, having won the Dean’s Award for Excellence upon graduation from QUT with her Bachelor’s degree.

Rachel has experience across various financial planning strategies including retirement planning, budgeting and cashflow, debt reduction, insurance and wealth creation and enjoys working with clients at various stages of life.  

Rachel is passionate about client education, she will go out of her way to ensure she communicates complex concepts and strategies into client-friendly language, enabling her clients to feel empowered and informed. Forming close, trusted relationships with her clients gives her the utmost job satisfaction.

Rachel is currently studying an Advanced Diploma of Financial Planning and intends on completing a Masters in Financial Planning in the near future.

Outside of work, Rachel enjoys spending time with her Husband, family and friends and is kept very busy and active by two very large dogs who together bring over 110kgs of laughs, love and many, many daily steps to her life.

Rhiannon Angus


Elaine Darmody

Associate Adviser 
Representative of ipac

Advanced Diploma of Financial Services (Financial Planning)
Financial Planner AFP (FPA)

Elaine has been working in the financial services industry for over 10 years, a journey which has seen her work in both Ireland and the UK. 

Prior to her move to Australia, Elaine worked in the UK for Barclays Wealth and Investment Management in their Private Banking division helping to personalise a range of investment solutions for clients. 

Elaine joined ipac in 2011 as a Client Relationship Manager, later becoming a Paraplanner before her current role as an Associate Adviser.

Elaine enjoys meeting and helping people from a diverse range of backgrounds achieve their investment goals without getting consumed by continual changes to legislation.

Elaine is committed to continuing her education to further her career in the Financial Planning Industry.

Outside of work, Elaine enjoys travel and sport, sometimes combining both for a trip overseas to watch rugby or soccer.

Mark Karhula

Associate Adviser
Representative of ipac

Advanced Diploma of Financial Services (Financial Planning)

Mark joined AMP in 2011 in their Paraplanning division, writing statements of advice for advisers within the AMP network and more recently moving into the Associate role within ipac.

Previously he has spent time in both small boutiques as well as larger institutions such as Macquarie and Suncorp and has been in the Financial Service Industry since 2004. He has a passion to find ways to improve clients' financial wellbeing through a structured and methodical approach.

Mark has completed the Advanced Diploma of Financial Services (Financial Planning) and is constantly working to further his education.

During that time he has assisted countless clients and worked closely with advisers throughout Australia. He provides insight and support to financial advisers in the area of strategy and compliance, ensuring that the best possible advice outcome is delivered. His strengths are in the lead up to retirement and in retirement spaces.

Mark understands the importance of balance and enjoys time with his family as well as bike riding in charity events to raise awareness for important issues.

Our support team

Naomi Holmes

Head of AMP Advice East 

Marion Peters

Client Lead


Marion started her career in the insurance industry working mainly with general insurance and so the move to financial advice felt right.

Having worked her way from receptionist to Client Relationship Manager to now Lead Client Relationship Manager, Marion is always basically looking after the needs of her/our clients.  She is always looking for new ways to better serve our clients who entrust us with, in some cases, their life savings.

Marion started with this company over 20 years ago, during that time she has seen the significant affect financial advice can have on our clients lives and that gives her the passion to continue to helping people in any way she can to achieve their goals.

Being a beach lover, Marion enjoys spending time at the coast, being ever so diligent in her sun protection.  She also enjoys doing charity walks and feels this helps (if only in a small way) towards funding the research and development of various causes.

Justine Blanco

Client Relationship Manager

Certificate IIII in Training and Assessment

Justine started with AMP Advice in June 2014.  Justine has 19 years’ experience working as an Administrator in various sectors of the Finance and Superannuation industry.

Justine started her career working for various Stockbrokers and Fund Managers in Sydney, before taking a position in Wollongong with Oasis Asset Management, where she worked to expand her knowledge of all aspects of the Administration of Superannuation accounts.  After 4 years in the role of Administrator, Justine accepted the role of Senior Training Officer where she was responsible for the training of the administration team for another 4 years. 

In 2012, Justine moved to Queensland where she applied her knowledge of Superannuation with ESP Group, eventually moving into her current role of Client Relationship Manager with AMP Advice.

Having worked in a variety of areas within the Finance industry, Justine finds that working in the Advice area provides her with an opportunity to utilise all of her industry knowledge.  

Justine enjoys working closely with our Advisers to enable clients to reach their life goals.

Justine is currently studying for her Diploma of Financial Planning and her focus is to complete this study.

Diana Bolton

Client Relationship Manager


Diana joined AMP Advice (formerly ipac) in 2002 as her first employment upon emigrating from the UK.  Diana really values the relationships she has developed over the years with our clients and the staff. Diana works closely with advisers to support clients with their administration requirements and assist with the training and development of the team members. The majority of her previous employment has been client focused, mainly within retail as well as some time within the Human Resources and Training area.

Diana had never previously worked within the financial planning industry, however since moving into this area she believes in the value of financial advice especially within the personal injury sector and the benefits of pre-retirement advice.

Diana is working towards a Bachelor of Arts majoring in English Literature or History. Diana enjoys travel and has completed the Gold Coast Marathon and is looking for her next challenge.

Allison Collins

Client Relationship Manager


Allison is a Client Relationship Manger in the Brisbane office and assists her team of Financial Advisers. Allison joined AMP in June 2014 after returning from living in New Zealand and Perth for 4 years. Allison started her career in the finance industry in 2007 at Wilson HTM Investment Group.  

Allison enjoys knowing she has helped clients reach their financial goals and being able to create a relationship with them over time where they feel comfortable with her and they can talk about topics other than financial planning.

Allison and her husband are currently doing up their first home, they are hoping to build a big alfresco area to be able to entertain their friends and family.

Sharon Cowen

Client Relationship Manager


Sharon has been with AMP Advice (formerly ipac) since 2006.  Initially in the Sydney office as a client relationship manager before moving to the Brisbane office in the same role. She really enjoys the interaction she has with the private client advisers and especially our clients.

Her background has always been client focused. Before moving to Australia, she lived in New Zealand and previous to that, she was in the UK. She worked in the prestige motor vehicle industry as a service adviser prior to joining ipac in 2006. 

Sharon wanted a career change but still within client service and AMP Advice Ann Street was the perfect opportunity for her. She then found what she loves to do most is to help people achieve their financial goals.  She takes great pride in her job and love knowing that she is helping people.

Sharon and her husband's two children are their world and she wants to be a good role model for them.  She wants to show them if you love and care about people and what you do then they will enjoy life and succeed. 

Tracy Cumbus

Client Relationship Manager


Tracy has been working in the Finance Industry for over 17 years now and has been working for AMP Advice for 10 years. She began her journey as a Client Relationship Manager, assisting clients and supporting advisers implementing and maintaining clients’ portfolios.

After many years in the hotel and hospitality industry Tracy decided it was time for a change and to really challenge her. She is highly organised and analytical who loves customer contact so thought client relations in finance would be a great fit.

After some years she took a short break on maternity leave and returned to help establish the Review Team. The Review Team has now evolved into a wider team that is helping both our clients and co-workers understand and adhere to the ever changing financial and legislative environment.

Tracy enjoys spending her time with her two daughters and enjoying anything outdoors. She is a keen traveller and loves showing and teaching her daughters the beauty and diversity of different cultures and locations around the world.

Stephen Russell-Clark

Client Relationship Manager


Stephen came to AMP Advice through ipac. For nearly fifteen years, he has been providing administrative support to a number of senior client advisers. This followed a 25 year teaching career in both Queensland State and Anglican schools where he was a highly regarded primary teacher and later teacher-librarian.

After seeing many friends and colleagues struggling with retirement choices, Stephen firmly believes in the value of obtaining quality financial advice as a vital part of any pre-retirement planning. He is very pleased that a major part of his work over recent years has been helping other teachers to reach their financial goals.

Stephen shares with his wife a love of travelling through her home county of Dorset in the UK. Whilst at home Stephen will sit and read for hours in their garden, so lovingly planted by his wife and pruned endlessly by him. They also enjoy greatly the company of their 3 beautiful grandchildren.

Stephen loves classical music, cricket, transport history and has the ultimate goal of once more being able to ride a tram along Queen or Adelaide Street. 

Michelle Try

Client Relationship Manager


Alex Turner

Client Relationship Manager


Alex has a diverse background having worked in hospitality, health as a Cardiac Technician as well as fundraising support for non-profits. Starting at Ipac in 2015, he provides Financial Advisers with ongoing administrative support.

The financial advice professionals are able to provide allows people to make the most of their money, achieve their financial goals and feel in control of their finances and life. I enjoy being a part of any endeavour that aids people in achieving their goals.

Alex is looking forward to completing his Commerce degree and pursuing a career in finance and accounting. An avid traveller and history buff, his next adventure will be to Japan and South Korea in 2017.

Important information

AMP Advice is a registered trademark of AMP Limited, licensed to IPAC Securities Limited (ABN 30 008 587 595, AFS Licence No. 234656). IPAC Securities Ltd is a wholly owned subsidiary of the AMP group.

The information on this webpage is provided by ipac Securities Ltd and contains information that is general in nature only. It does not consider your personal circumstances. It’s important you consider your personal financial situation and needs and read the relevant product disclosure statement or by emailing ampadvice@amp.com.au, before deciding what’s right for you.

If you decide to purchase or vary a financial product, your financial adviser, ipac Securities Limited and other companies within the AMP Group may receive fees and other benefits. You can read the Financial Services Guide online for information about AMP Advice’s products and services, including the fees and other benefits AMP Companies and their representatives may receive in relation to products and services provided to you. You can also ask us for a hard copy.

All information on this website is subject to change without notice.