OUR PEOPLE & OFFICES

DEBBY MADDOX

Rural Financial Counsellor

ARMIDALE

Debby is passionate and committed to assisting rural people remain resilient. 
She started her career on a Merino and Poll Hereford Stud west of Dubbo, a few moons ago now!
She owned and operated a small farm in Gunnedah region, growing fat cattle, then moved to Dubbo to set up another farming business.

Debby previously gained experience in finance working with large financial institutions as well as managing a building society.

She then moved from the Northern Rivers to take up the position in Armidale after managing Community Services assisting the homeless get back on track and empowered.
Proud mother of 3 and grandmother of 4 who live and work locally.
Loves a good long black coffee anytime of the day!
Always here to help, no job or question too big or too small.

Qualifications: Dip Management, Community Services, Finance and Real Estate.

Armidale Office:

Shop 25, 126/128 Beardy Street
,
Armidale NSW 2350
Phone: 02 6778 4784
Mobile: 0408 936 268
Email: armidale@rfcsnr.org.au

KATRINA McDOUGALL

Rural Financial Counsellor

CASINO

Katrina was raised on a cattle farm and transitioned into corporate life, having more than 25 years experience in banking and finance in both commercial and agribusiness.

She has a vast array of interests including hiking, mountain climbing, relaxing at the beach, fishing, boxing and spending time with family and friends, as well as being manipulated by her little Blue Heeler.

She has established a strong financial acumen during her career and her qualifications include an MBA (Finance) and Diploma of Finance & Mortgage Broking Management.

Casino Office:
78 Barker Street,
PO Box 828
Casino NSW 2470

Phone: 02 6662 8602
Email: casino1@rfcsnr.org.au

ROSS TURVEY

Rural Financial Counsellor

CASINO

Ross grew up in a farming family on their property between Goondiwindi and St George Queensland.

Ross has had 35 years (plus) experience in agriculture and small business where his work has always focused on financial and business management.

His qualifications include a Degree in Agricultural economics (1978) UNE Armidale and the Diploma of Community Services (Financial Counselling) .

Ross lives at Wollongbar with his wife Marlene who is a Theatre Nurse in Lismore. They have three children and five grandchildren. He loves his family and has great fun in restoring cars, cycling, photography and singing.

Casino Office:
78 Barker Street,
PO Box 828
Casino NSW 2470
Phone: 02 6662 6191
Email: ross.turvey@rfcsnr.org.au

STUART BRUMMELL

Rural Financial Counsellor

GLEN INNES

Stuart first joined the Rural Financial Counsellor Service in November 2010 to assist farmers with a focus on succession planning.

His qualifications include a Diploma of Agriculture (Tocal), Diploma of Community Services (Financial Counselling), Certificate 1V Training & Assessment and Certificate in Rural Marketing and an Advanced Diploma Agribusiness Management (Ruralbiz).

Stuart’s previous work history includes involvement with the delivery of livestock management programs in the New England region. Prior to becoming a rural financial counsellor, he worked for the Australian Bureau of Agricultural and Resource Economics as a data quality and treatment officer.

Stuart and his wife Ruth live on their family sheep and cattle property north west of Glen Innes. They have two children, one is at University in Sydney and the other is involved with managing the family property.

Stuart’s interests are family, motor cycles, drama and art.

Glen Innes Office:

311A Grey Street,
Glen Innes NSW 2370
Phone: 02 6732 3325
Email: stuart.brummell@rfcsnr.org.au

IAN SWANBOROUGH

Rural Financial Counsellor

GRAFTON

Raised in the mixed farming area of North Star also known as the Golden Triangle, Ian has always been passionate about Agriculture in Australia.

After completing his education, Ian joined the NAB working in both Rural and Metro areas of NSW and Qld. Ian spent 20 years in commercial and Agribusiness roles and has a wealth of experience in the financial industry.

Ian understands the importance of relationship building, which he believes bonds the trust of a working partnership with his clients.

In his spare time Ian enjoys keeping fit with gym, triathlons and a day at the beach.

Grafton Office:

5/12 Prince Street,
Grafton NSW 2460
Phone: 0409 244 352
Email: grafton@rfcsnr.org.au

ANDREW FORMANN

Rural Financial Counsellor

GUNNEDAH

Andrew is a Gunnedah Local having lived in the community on and off for the past 36 years.

Growing up assisting his grandparents on their farm in Gilgandra every school holidays as well as every other weekend, Andrew turned his passion for the land into helping others on the land.

He spent 13 years with the Department of Human Services with the majority of these years spent as a Rural Service Officer and Farm Household Case Officer. Andrew is also an experience Business Manager having spent 15 months Managing the PCYC in Gunnedah before taking up his position as Rural Financial Counsellor for Gunnedah.

Andrew is married and has 4 children. Andrew’s interests include playing golf and spending time with his family.

Gunnedah Office:
Level 1
35 Abbott Street,
Gunnedah NSW 2380
Phone: 0447 393 624

GEOFF MILL

Rural Financial Counsellor

INVERELL

Geoff began working in agribusiness banking in 2007 as an analyst in Sydney and subsequently took up management positions in Forbes and Tamworth. He then went onto complete two years with the Rural Assistance Authority in Orange where responsibilities included assessing applications for Drought Recovery Concessional Loans and Farm Innovation Fund Loans. Geoff has gained exposure to rural businesses with variations in resources, climate and production.

Geoff believes there is great benefit in talking to a Rural Financial Counsellor who is there to assist clients identify options and develop and implement plans to improve their financial self-sufficiency.

Geoff was raised in the Inverell area and holds a Bachelor of Agriculture from the University of New England and a Master of Agricultural Business Management from Charles Sturt University.

Inverell Office:
2/132 Otho Street,
PO Box 882
Inverell NSW 2360
Phone: 02 6721 0030
Fax: 02 6721 0960
Email: geoff.mill@rfcsnr.org.au

TERRY PEARCE

Rural Financial Counsellor
02 6568 3888

MACKSVILLE

Terry comes from a rural background having grown up on the family farm at Clovass, near Casino.

Before moving in 2006 to take up the position in Macksville, Terry was a Rural Financial Counsellor in Casino for 4½ years. He now has over 14 years’ practical experience as a rural financial counsellor. Prior to that he worked in Banking and Finance (Westpac and a Credit Union) for 26 years, receiving intensive inhouse training in financial management.

He has two adult children, and is a keen motorcyclist.

Terry’s qualifications include a Diploma in Community Services (Financial Counselling) and Certificate IV in Business Facilitation. He fulfils the dual role as a rural financial counsellor and is mentor/supervisor to our team of rural financial counsellors.

SARAH EARSMAN

Rural Financial Counsellor
0447 343 663

Sarah has lived in the local area for 13 years, after growing up in the Mudgee Region.

She has background of 10 years in the Banking and Financial planning fields, having worked with Lending and Transactional needs for Agribusiness customers, as well as large and small enterprise clients. In addition, she has worked in Financial Planning, assisting both Personal and Business customers to manage risk and investing needs.

In her spare time, Sarah is married and has three young children to keep her busy, enjoying a lifestyle of travel, music and relaxing with family and friends.

Sarah’s qualifications include a Bachelor Business with a Finance Major, Diploma of Financial Planning, Advanced Diploma of Financial Planning and a Graduate Diploma in Teaching and Learning (Secondary).

Macksville Office:
1a Matilda Street,
PO Box 456
Macksville NSW 2447
Phone: 02 6568 3888
Fax: 02 6568 3866
Email: macksville@rfcsnr.org.au

LEAH BAILEY

Rural Financial Counsellor

MOREEE


Moree Office:

Wesley Court,
23 Frome Street,
PO Box 527
Moree NSW 2400
Phone: 02 6752 3561
Fax: 02 6752 3249

ROBET DREWITT

Rural Financial Counsellor

NARRABRI

Raised on a mixed farm at Bingara Northern NSW Robert attended Hawkesbury Ag College and obtained a degree in Ag Science.

Robert worked 15 years in Agribusiness Banking in Sydney, Brisbane, Townsville and Atherton as well as 10 years in consulting agronomy.

Roberts lives in Bingara and has a small sheep, cattle and walnut farm .

Narrabri Office:
87 Barwan Street (TAFE campus)
PO Box 99
Narrabri NSW 2390

Phone: 02 6792 4798
Fax: 02 6792 4834
Email: narrabri@rfcsnr.org.au

ANGELA HAYES

Rural Financial Counsellor

SCONE

Angela has lived in the Hunter Valley for over 14 years. She joins the service with over 20 years of experience in accounting, finance and insurance. During her career she has worked with the following industries; – Heavy Haulage and Cranage; Engineering; Retail; Import & Export; Superannuation; Insurance and the Australian Stock Horse.

Her qualifications include: Advanced Diploma of Accounting; Registered BAS agent; Certificate in Viticulture; Certificate in Wine Making and Certificate in Insurance, Diploma of Financial Counselling (Rural).

Scone Office:
13/122 Kelly Street,
Scone NSW 2337
Phone: 02 6545 3544
Fax: 02 6545 3550
Email: angela.hayes@rfcsnr.org.au

JULIE ROY

Rural Financial Counsellor

TAMWORTH

Julie first joined the Rural Financial Counselling Service in July 2007 in the Narrabri region and later relocated to Tamworth with her family. After a short break, working in Mental Health, she has recently returned to the Service to assist farmers and provide ongoing support to our rural communities.

Her qualifications include a Diploma of Agriculture (McGill University, Canada), Diploma of Community Services (Financial Counselling) and a Diploma of Welfare Work.

Julie’s previous roles involved working with Local Government and also within the Cotton Industry.

Julie enjoys spending time with her sons, extended family and friends. Her other interests included music and travelling.

Tamworth Office:
Suite 1, Level 1,
352 Peel Street,
Tamworth NSW 2340
Phone: 02 6761 3336
Fax: 02 6766 1153

MICHAEL RAMSTADIUS

Rural Financial Counsellor

TAREE

Michael has extensive experience in banking and finance. He enjoys helping people with financial matters that assist them in achieving their goals.

He joined a major Bank (Westpac) in 1981 and worked for 15 years in some of the regional areas of the North Coast and New England. He also worked with a small Credit Union in Lismore and was a Financial Planner with a local financial planning practice on the Far North Coast.

Before joining the service he had completed just over 14 years with the Greater Bank.

Michael has a Certificate IV in Management and Team Leadership and Foundation Diploma in Financial Planning. He is also a Justice of the Peace.

Michael’s interest include lapidary, fishing and likes a social game of golf. He is also a Certified Gemmologist.

Taree Office:
Suite 1/23,
Pulteney Street,
PO Box 906,
Taree NSW 2430
Phone: 02 6551 5879
Fax: 02 6551 2288

SHANNON McCORMACK

Rural Financial Counsellor

TOCAL

Having grown up in the Tamworth and Moree regions, rural areas are where Shannon feels most at home.

He has a diverse rural background, including time jackarooing in South Australia and Northern Territory, a year in Texas (USA) breaking in and training horses, head stockman at a beef cattle feedlot and many aspects of rural merchandise sales. Shannon then studied an Agribusiness diploma at Marcus Oldham college and after two and a half years with CBA he is proud to now call the Hunter Valley home.

Together with his wife Prue and son Jock, they live on their family property.

Personal interests include – Family, horses, soccer, agricultural shows, squash.

Office Address:
Tocal College
815 Tocal Road,
PO Box 24
Paterson NSW 2421
Phone: 02 4939 8942
Email: hunter@rfcsnr.org.au

HEAD OFFICE

Casino Head Office:
78 Barker Street
,
PO Box 828
, Casino NSW 2470
Ph: 02 6662 5055
Fax: 02 6662 4105
Email: gillian.casey@rfcsnr.org.au

GARY GOLDBERG

Chief Executive Officer

KIRSTY FREEMAN

Business Support Manager

GILLIAN CASEY

Administration Co-ordinator

NERELLE HOSKING

Casino Administration

JULIE CLIFFORD

Web Editor