Meet Our Team Michael Johnson - Director Michael is a Registered Tax Agent, Fellow of the Tax Institute and Associate of the Institute of Public Accountants with over 10 years’ experience in the accounting profession both as an employee and running his own business. Michael specialises in working with Individuals and small businesses to not only help them get the best tax outcome but to also help them understand their tax and business affairs and put them on the right track moving forward. Professional membership / qualifications: AIPA FTI Interests: Sports, camping and fishing Catherine Smith - Director Catherine has had over 20 years experience in Taxation, business, SMSF's, finance and property investment. She holds an Accounting Degree and a Masters degree in Taxation and was recognised by the Certified Practitioners of Australia (CPA) Society as a 'Specialist in Taxation' in 2001. She spent 11 years with the Australian Taxation Office as a senior Audit manager and a Fraud Investigator. After leaving the ATO Catherine established an Accounting practice in Ulladulla in 2002 and then relocated the practice to Canberra in 2006. Catherine is a member of FBAA, a Fellow of the NTAA and a member of PIPA. She also holds a Diploma of Financial Planning, a Diploma of Mortgage Broking and Finance, a Diploma of Real Estate, a Masters Degree in Taxation and a Degree in Accounting. She is also a Justice of Peace and Certified Results and Master Results Coach. Most importantly Catherine is a passionate Property investor. She bought her first property when she was 17 and has brought and sold over 20 properties in the last 20 years. She currently maintains a large property portfolio and has properties in ACT, NSW, Qld and Vic. She holds both residential and commercial properties and her aim is to retire to the coast and live financially independent through the capital growth on her property portfolio. Catherine made many mistakes during her investing career and her main goal is to help her clients not make the same mistakes. Qualifications: Bachelor of Accounting Master of Taxation CPA Diploma of Financial Planning Diploma of Mortgage Broking and Finance Diploma of Real Estate Interest: Family, property investing Peter Bishell- Consultant SMSF Auditor Peter is well known in Canberra for his specialist knowledge in the area of SMSF's. Peter has a Bachelor in Marketing, a Masters Commerce and a Financial Planning Diploma. He has had over 22 years experience in Financial Planning and SMSF's. In 2008 Peter published a book titled 'The Self Managed Superannuation Trustees Handbook'. He has agreed to be the SMSF Auditor for all WFS Canberra SMSF clients.Peter Bishell has established a new accounting practice specialising in the audit of self-managed superannuation funds. The major difference between the audit service Peter provide's and other SMSF auditors is that Peter will meet with fund trustees BEFORE the end of each financial year to make sure there are no issues that require attention prior to the end of the financial year.If you wish to appoint Peter as an auditor or discuss his services in more detail you can contact him on 0432 597 806 or send him an email via email@example.com. Ninette Ferlitsch - SMSF Manager/Administrator Ninette Joined WFS in 2010 and has been working in the SMSF field for over 11 years. She is experienced and proficient in SMSF legislation, compliance and the workings of SMSF’s, dedicating herself to the smooth running of our client's requirements. She worked for Phase Three Superannuation and Retirement Consultants (Peter Bishell) for 2 years before transferring to Walter Turnbull/Price Waterhouse Coopers Lybrand for a further 2 years. Ninette has completed her Diploma in Financial Planning, is RG146 compliant and an Associate Member of the SMSF Association. Other qualifications she has gained relating to her role as SMSF Manager are a Diploma of Management, Certificate in Property Management (NSW) and Certificate IV in Bookkeeping Qualifications: Diploma of Management Certificate in Property Management NSW Certificate IV in Bookkeeping Diploma of Financial Planning Interest: Outdoors, bushwalking. mountain biking and camping. Nadia Ashraf- Junior Accountant SMSF & Tax Nadia has joined WFS in December 2016. She has a Bachelor of Business Administration, Majoring in Accounting and Finance. She has completed Master of Finance from the University of Technology Sydney and Professional Accounting from the Australian National University. Currently, she is responsible for a wide range of administrative duties in WFS. She is looking forward to expanding her knowledge in taxation and investment from WFS team. Also, she would like to continue her studies and be a Certified Professional Accountant in future. Qualifications: Master of Professional Accounting Australian National University Bachelor of Business Administration Master of Business in Finance UTS Second year of CPA- Current Interest: Traveling, spending time with her Daughter and Reading. David Beaumont - Senior Tax Manager David (or “Bowie” as his friends call him) completed his Bachelor of Business (Accounting) degree in 1984 and has been a CPA for over 30 years dealing with wide range of businesses in retail, manufacturing, hospitality and service industries. During his working and business career to date, he has been involved in Public Practice as an employee for 4 years and as a Partner for over 25 years. He also spent just over 9 years establishing and growing a Holiday Resort Management business in Merimbula from $0 turnover into a multi-million dollar turnover business before selling his interest in that business in recent years. His professional interests include: Taxation, Management Consulting, Profit & Cash Flow Improvement, Business Exit/Succession Planning, Optimising Business Value, Business Planning, Business Coaching and takes a strong interest in Finance and Investments. Professional membership / qualifications: Bachelor of Business (Accounting) CPA Interests: Family - 4 children, Australian Rules Football, Tennis, Golf and the beach. Chris McGuigan- Senior Tax Manager Chris is new to our team this year. Chris has over 30 years experience in accounting in a broad range of roles. Over 15 years working closely with small to medium-sized businesses for financial, tax, computer and management consulting. Also involved in practice management focusing on the internal systems of the accounting firms as businesses themselves. Chris also has spent almost 15 years in commercial accounting roles both in the private and not for profit sectors. Having owned and operated her own businesses in various sectors Chris fully appreciates the need to wear “multiple hats” as required with the day to day pressures of businesses to manage multiple tasks and priorities and understands the challenges faced by business owners in our changing environment today. Professional Membership / Qualifications: Justice of Peace (ACT & NSW) Interests: Travel, spending time with my family and enjoy a good “chick flick” Simon Spriggs- Senior accountant Simon comes from our Belconnen Office. Simon has been working in the tax and accounting industry in public practice and building his expertise over the last three years. He has a Master of Accounting/MBA is an Associate of the Institute of Public Accountants and is currently halfway through his CPA qualification. Simon loves dealing with clients to get them the best possible tax outcome and helping them find all those tax deductions that most people don’t know about. He is also passionate about investment properties which has led him to owning multiple investment properties himself. Professional Membership / Qualifications: Masters of Accounting/ MBA Working towards CPA qualification- Current Interests: Family, Investment properties and loving all that Canberra has to offer. Mary Zamer - Tax Accountant Manager Mary joined the WFS team in 2015 and she plays an important role in the firm. Mary is the first point of contact for the office and also performs many tax functions ranging from tax return interviews through to processing returns and also performs various administrative tasks across all divisions of the firm. Mary grew up in Egypt where she studied accounting and then later moved to Australia to continue her studies. She is experienced in taxation and is a valuable addition to the firm, we are excited to have her and she is ready to help with the new tax season coming. Professional Membership / Qualifications: Bachelor Degree in Accountancy Interests: Church, Her Family and their sporting interests. Enjoying all that Canberra has to offer. Elaine Yao - Accountant Elaine joined Raw Accountants in February 2017, having completed a Master Degree in Professional Accounting through University of Canberra. Elaine now works as part of our taxation team. Her role includes preparing Individual Tax Returns, ensuring each client group’s program of annual services is up to date and supporting senior staff. Elaine is a dynamic and friendly person with six years’ experience in the customer service industry, she is passionate about managing and developing relationships with clients. Elaine is currently undertaking the CA program and will soon join the Institute of Chartered Accountants. Qualifications: Master of Professional Accounting (University of Canberra) Bachelor of Tourism Management (University of Canberra) Interest: Volunteering at a local community church, Travel, Food and Wine Tasting Naman Bose- Admin and Accountant Naman joined MDJ Accounting in August 2016 as a junior accountant and admin assistant. He is currently in his third year of a Bachelor Degree in Accounting from the Australian National University and is seeking to gain extensive knowledge of taxation and investment from the WFS team. After finishing his studies, he wishes to complete the CA Program. Professional Membership / Qualifications: Third-year of Bachelor Degree in Accountancting Interests: Studying and relaxing around town Iris Yan- CPA Accountant Iris joined WFS in 2012. Iris is a qualified CPA. She has a bachelor of Commerce, Majoring in Accounting, a Diploma in Taxation and an Advanced Diploma of Australian Law Part 1 (AIFA). Iris has been with WFS for 6 years and is responsible for the smooth processing of individual and rental property tax returns, tax return lodgements, liaising with the ATO, company setups, ABN and TFN applications and bookkeeping for our business clients. Professional Membership / Qualifications: CPA Bachelor of Commerce Diploma in Taxation Interests: Her young family, and enjoying all that Melbourne has to offer. Lara Brown - Director Wholistic Property Solutions Canberra- Property management and Canberra Sales and Property Investment Broker Lara Joined the WFS team in July 2015. Lara joined WFS in July 2015; she brings with her 23 years of experience within the customer service industry ranging from hospitality, retail and reception work. She has worked in some interesting venues such as Parliament House, Hyatt Hotel Canberra, Sydney Casino at The Astral and many more. She has more recently held a position working for 11 years for an Australian Designer fashion label, and she has vast experience in Management and training roles. She has recently completed her ACT Principles Licence which entitles her to own and operate an agency within the ACT. Therefore she is now fully qualified to meet her clients every needs. Personally, Lara has achieved many things in life, she grew up in Papua New Guinea and has travelled around the globe which gave her a greater perspective on the world and its people. She has bought and sold several houses and units within her portfolio so understands the complexities of the transaction and will be able to guide you through the ins and outs. Her most recent project was to build her own home, and that was successfully achieved while raising two cheeky children, selling a property and working part-time. She is not afraid of a challenge and always endeavours to do her utmost to assist her clients in getting a win/win conclusion to every transaction Qualifications: ACT Principles Licence Interest: Family, property investing, Gym, Running, Wine and Traveling. Naomi Owen Penfold- Property Manager Naomi Joined the WFS team in 2016 Naomi completed hospitality qualifications at the Canberra Institute of Technology in 1994 and has since developed extensive small business management experience through successfully owning and operating three cafes in prominent locations of Barton and Civic, as well as being a partner in her husband's house building and maintenance business. For several years Naomi also owned and operated her retail shop at the Canberra Brand Depot. Naomi and her husband have owned a property portfolio in Canberra of up to five properties and more recently designed and built their house in the suburb of Casey. After gaining experience and knowledge working as a Property Manager, Naomi has recently completed her ACT Principles Licence and is a valuable addition to the expansion of the Wholistic Company. Naomi considers the basis of her success has been her professional approach to all facets of small business management including providing outstanding customer service, good staff management and attention to financial accounting. Outside of work, Naomi's activities revolve around her two children including such roles as Parent Liaison at her children' s school. She also enjoys playing competitive netball and gym activities Qualifications: ACT Principles Licence Interest: Family, property investing, Gym and Competitive Netball. Abby Morphett- Tax Accountant & Mortgage Consultant (Melbourne) Abby joined our team as a Tax Accountant & Mortgage Consultant in early 2018. Abby Morphett has been working in the accounting industry for the past 10 years and particularly in Individual and Small business for the past 5 years. With Abby’s experience in accounting coupled with her extensive knowledge of the Property Industry, Abby is a powerhouse to have in your corner when maximising your returns, particularly where investment properties are concerned. Abby has a Diploma in Accounting and a Certificate in Business. She is currently completing her Cert IV in Mortgage Brokering and finance management as well as her Bachelor of Laws. With her passion for ongoing education, Abby fits in well with the Wholistic Team. Professional Membership / Qualifications: Diploma in Accounting Certificate in Business Completing Cert IV in Mortgage Brokering and Finance management Interests: Reading, Running, Cycling. Tanya Ristevska - Mortgage Broking Admin Assistant Tanya joined our team in April 2012 Tanya has had over 15 years experience in Mortgage Broking. She has worked for numerous Mortgage Broking Companies including Aussie Home Loans and Rams. She has been working for WFS for over 5 years and is a polite, friendly, helpful member of the team. Her work standard, professionalism and ethics are also of an extremely high standard and you can rest assured that if Tanya is working on your file - you are in great hands Professional Membership / Qualifications: Certificate in Interests: Travel, Family and Cooking. Peter Carew- Home & Investment Loan Consultant Peter joined the WFS in 2017. Peter has a design architect and civil engineering background and moved into the finance field in 1991 accepting a commercial lending position with WESTPAC. During his tenure with WESTPAC, Peter gained an extensive knowledge in business lending and property development finance. In 1996 Peter established his own company and commenced trading as an ASIC licenced mortgage broker servicing the SE Qld home and investment loan market as well as working with local and interstate property developers and residential construction builders. Over the past 20 years, Peter has owned and managed both mortgage finance broking and property development businesses, having gained a wide range of business experience in his capacity as Director. Peter has assisted clients in developing a wholistic and strategic approach to their mortgage finance and wealth management objectives and to developing investment strategies that include direct property investment. Peter relocated to Canberra in 2010 with his family, to be closer to extended family. He has two children, one attending ANU and the other attending Qld University. Peter is a qualified Mortgage Finance Consultant and Wealth Adviser with qualifications in Mortgage Broking; Financial Planning and Project Management and is ASIC licenced. Peter recognises the philosophy and “wholistic” approach of WFS service proposition to its clients aligns well with his own principles and is pleased to have joined WFS. . Professional Membership / Qualifications: Qualified Mortgage Finance Consultant Qualifications in Mortgage Broking Qualifications in Financial Planning Qualifications in Project Management ASIC licenced Interests: Family, camping and all the outdoors have to offer. Jake Lampe- Financial Planner Jake joined in November 2016. Jake is a diligent and professional Financial Planner, his client’s needs are always his number one priority. Since 2008 he has worked with Insurance & Finances for some of the biggest insurers and banks in the country. Jake can assist you to build financial wealth with an array of specialised tools and knowledge. There are numerous ways to achieve financial wealth depending on a person's specific situation and goals. Jake's specialty is getting to know his client and their situation to implement a plan to best help them reach their goals. He does this by ensuring every client has a clear understanding of the process and products they hold. No job is too big or small, his goal is to help as many clients as possible achieve financial independence. He currently holds a Diploma in Financial Planning, a Tier 1 in Insurance Broking from the Australian and New Zealand Institute of Insurance and Finance, a Tier 2 in General Insurance & a Certificate 3 in Financial Services. Professional Membership / Qualifications: Diploma in Financial Planning Tier 1 in Insurance Brokering Tier 2 in General Insurance Certificate 3 in Financial Services Interests: Australian Rules, Rugby League, Traveling and Chess. Trudy Heins- CFP Financial Planner (Brisbane Office) Trudy joined the WFS in 2017. Trudy has over 20 years’ experience in the financial services industry and she is passionate about providing long-term quality and solid advice. She holds a Diploma in Financial Planning and is a Certified Financial Planner (CFP) which is the highest designation afforded to financial planners in Australia. She also holds specialist qualifications in Margin Lending and Self-Managed Superannuation Funds (SMSFs) Trudy has joined WFS to establish our Queensland business after recently selling her own Financial Planning business in Tasmania. She has worked with both large and small financial planning practices in her career and has learnt that the essence of a great financial planner is all about listening to her clients and helping them work towards their goals on a step by step basis. She prides herself in being able to explain investment and risk concepts in a “plain English fashion”. Trudy views that an ongoing client and adviser relationship is paramount for financial success. Trudy has owned both residential and rural properties as well as extensive share portfolios and understands the challenges of fitting longer-term investing alongside shorter-term goals and needs. She has established and sold many businesses in her career and enjoys working with kindred entrepreneurial spirits. Trudy has two grown children who resides in Brisbane and is expecting her first grandchild which has drawn her back to Queensland. Professional Membership / Qualifications: Diploma in Financial Planning Certified Financial Planner (CFP) Specialist qualifications in Margin Lending Specialist qualifications in Self-Managed Superannuation Funds (SMSFs) Interests: Family and All that best that Brisbane has to offer. Alex Xue- Administration and Junior Accountant Alex has joined Wholistic Financial Solutions (WFS) in July 2018 as a tax administration assistant. He has a Bachelor degree of Industry Management and he has completed Master of Accounting from the Australian National University. In terms of his work duties, he is responsible for a wide range of administrative duties in WFS, especially for taxation team. He is looking forward to expanding his knowledge in taxation and investment from WFS team. Also, he would like to continue his studies and be a CPA in the future. Professional Membership / Qualifications: Bachelor degree of Industry Management Master of Accounting from the Australian National University Interests: Gym, Travel, Food and basketball (outdoor sports).