Our Story

Money is a game with many facets and a lot of potential outcomes. We know that the key to making it to your financial goals is to start from the inside (yourself) and work outwards from there. With that, we have a team that is focused wholly on helping others. Our team you see below are professionals, they are investors, their experiences are worth listening to. Each with a unique story just like yours. We for the most part come from humble beginnings – a mechanics family, a labourers family, a roofers etc. – and have each made it to investing after trialling many things, before settling on a workable strategy that we know works to grow wealth for those that apply it properly.

There are so many ways that Australians can do better financially and we really know your time is precious, hence we have built systems and brought in technology to assist you to formulate strategy, implement and monitor your success. We hope your journey from here is about to be a whole lot better for meeting us.

Our aim is to help you find your ‘why’, then help you find the right ‘how’, and then work with ‘what’ we know can see you closer to your goals.

Some details on our team are below.

Our Team

Adam Carmody - Executive Director

After a career that began as a mechanic with his father, playing some sports at very high levels, he was inspired to become an investor and coach. His career has spanned 20 plus years and includes working with some of Australia’s leading names in financial services, he brings to Finwell the experience and being a qualified accountant, financial planner, mortgage broker and property agent, he has the know how to help you do better financially.

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Favourite food - Grilled Salmon

Goal - To give Australians clear ways to improve their financial situation, through education, quality service and investments that work.

Damian Espinosa - Director

Damian was born in Mexico, raised and educated in Los Angeles. His first career was working with a very successful software developer. In Los Angeles he met a young Australian girl and soon after came to Australia to get married and start a family [there are now three young children].
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Favourite food - Chilli (anything spicy)

Goal - Helping you improve your financial position now and forever.

Stuart Lavender - General Manager of Real Estate

Stuart is General Manager of the Real Estate division at Finwell. His role is to source investment properties that fit within our value criteria and thus make a good fit for client’s investment needs. He looks after his health so his kids whom are getting bigger, stronger and faster every day don’t go missing when they go bush!. He trains up to 6 days per week for 45 minutes min per session and eats clean heathy food that has minimal “H.I.” content (Human interference) in it.
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Favourite food - Char grilled Rib Eye Steak cooked medium Rare with a garlic, pepper and red wine sauce with in season vegies and scallop potatoes.

Goal - To be able to retire at 55 if I want to and be able to maintain a great life style with my wife and kids.

Natalie Conti - Executive Assistant

Natalie first started her journey in retail pharmacy, spanning over 14 years within the customer service space. In that time she built great rapport with customers and work colleagues which eventually led her to being a fully trained dispensary technician, allowing her to work along the pharmacist preparing and administering medication for customers.
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Favourite food - Any meal with my husband!

Goal - See my daughter reach her goals!

Simone Evans - Senior Financial Planner

After a broad career which includes working as an accountant, a Human Resource Manager and a Police woman, you cannot ask for a more well rounded coach to assist you with your finances.

This young lady is a mother of three children, a property investor, and understands money really well.

Simone is qualified as an accountant and financial planner (with SMSF Specialisation). We know her enthusiasm, attention to detail and genuine care are huge assets to clients wealth creation.

Favourite food - Anything from the breakfast menu....yum!!

Goal - To help guide and support people to achieve their financial freedom as well as achieving it for my family and myself.

Gavin Derepas - Senior Financial Planner

Gavin is able to take on just about anything – from solving financial difficulties, reducing tax or investing your life savings.

Knowing about financial planning is one thing but applying it is another, one has to be practical; otherwise all the information in the world just represents a waste of time in acquiring it. Gavin uses his knowledge and experience, gained from over 20 years as a Financial Planner, when creating financial strategies for clients. He works with clients to understand their financial objectives to create a comprehensive and tailored financial strategy to achieve practical solutions, regardless of the size of their investment.

Gavin has been helping clients achieve their financial objectives and lifestyle goals for over 20 years. He guides his clients through the ever-changing superannuation landscape, and helps to clear the confusion of the seemingly endless rules and regulations. He enjoys seeing individuals gain the confidence to make informed decisions so they can get on with enjoying the things that matter most to them.

A sound financial plan acts as a lighthouse, guiding you to a safe harbour – safe from storms and avoiding any hidden rocks. In other words, it acts as a guide to your inform your actions and activities in regard to finances and includes strategies to reach your financial goals safely – avoiding costly mistakes that could set you back.

Every successful corporation and business in the world has a financial plan to ensure their success, and Gavin believes every individual and family should have one too.

Favourite food - Chargrilled rib eye steak

Goal - To help people be financially free, by achieving their lifestyle goals whilst maintaining peace of mind.

Daniel Milne - Senior Financial Planner

After a career spanning many diverse roles, from volunteering in a drug rehabilitation facility, slate roofing, Human Resource Management, a not-for-profit with over 100 staff, or working in administration and then graduating to sales in Financial Planning, Daniel has a wealth of experience in getting things done, which all goes to assist him in his management role with the group.
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Favourite food - “All of it… I’ve been ruining the buffet industry for as long as I can remember.”

Goal - Seeing lives improved for the better!

Callaghan Charge - Financial Planner Associate

Having had various roles over the years, from being a personal assistant/admin for a CEO of a large business consultant, director of a not for profit organisation and Founder of a 3 year old professional basketball training company, Cal brings a diversity to our business that is valued.
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Favourite food - Pineapple

Goal - To be financially secure, with no stress upon my income and my lifestyle forever

Testimonials

Graham and Linda, Warranwood Victoria

Adam has been our financial advisor for several years and we have always found his service second to none. He is professional and diligent and above all else he is honest.His clear and concise investment strategies havesteered us through the minefield of planning for our financial security.We are confident that Adam is going to be with us for the long term and always have our best interests at heart. I have no doubt in recommending Adam to family and friends.
2018-05-27T12:42:33+00:00
Adam has been our financial advisor for several years and we have always found his service second to none. He is professional and diligent and above all else he is honest.His clear and concise investment strategies havesteered us through the minefield of planning for our financial security.We are confident that Adam is going to be with us for the long term and always have our best interests at heart. I have no doubt in recommending Adam to family and friends.

Daryl and Jen, Sydney

Jen and I have been working with Adam and his team for the past 4 years. Adam always seems to be one step ahead of our financial needs – he has found several properties for us to purchase in places we all agree are good opportunities to invest (his team also provides great support throughout the purchase process including finding appropriate property financing). Adam has also assisted us with our financial planning in our SMSF as well as supporting our insurance needs. He understands our investment strategies and supports our decisions. We have some work to do to get to where we want to be when Jen and I retire, but we are well on the path to meeting our goals due to Adam’s involvement.
2018-05-27T12:43:22+00:00
Jen and I have been working with Adam and his team for the past 4 years. Adam always seems to be one step ahead of our financial needs – he has found several properties for us to purchase in places we all agree are good opportunities to invest (his team also provides great support throughout the purchase process including finding appropriate property financing). Adam has also assisted us with our financial planning in our SMSF as well as supporting our insurance needs. He understands our investment strategies and supports our decisions. We have some work to do to get to where we want to be when Jen and I retire, but we are well on the path to meeting our goals due to Adam’s involvement.

Ross Larson, Sydney

“I have known and used Damian Espinosas services for over 5 years now in the areas of Self managed super fund/Life,Income protection and trauma insurances /investment property advise and taxation and have always found him to be on the ball and easy to deal with in all these areas.He really knows his stuff and is quite happy to visit you in person after hours and spend time explaining things to you at length if needed.He will happily cop a load of questions and emails and sort the wood from the trees and give you the answers you really need .Our super fund has performed well above average as a result of investment suggestions he made to us .When it comes to investment properties he has the right connections and knowledge to lead to great choices that have and are delivering great growth prospects.I would recommend his services to anyone looking for financial /tax /retirement and super advice.”
2018-05-27T12:44:22+00:00
“I have known and used Damian Espinosas services for over 5 years now in the areas of Self managed super fund/Life,Income protection and trauma insurances /investment property advise and taxation and have always found him to be on the ball and easy to deal with in all these areas.He really knows his stuff and is quite happy to visit you in person after hours and spend time explaining things to you at length if needed.He will happily cop a load of questions and emails and sort the wood from the trees and give you the answers you really need .Our super fund has performed well above average as a result of investment suggestions he made to us .When it comes to investment properties he has the right connections and knowledge to lead to great choices that have and are delivering great growth prospects.I would recommend his services to anyone looking for financial /tax /retirement and super advice.”

Kate H, Frankston

“I can’t recommend Adam Carmody enough.  We are so relieved that we have finally found someone to help us with our financial investments who has integrity, listens to what we need, gives us sound advice and works personally with us to create our financial success.  After being left by a previous company who didn’t do any of these things, Adam and his wonderful team have been extremely helpful, attentive and really easy to deal with.  We’re looking forward to continuing a long term relationship with Adam and his team.”
2018-09-01T12:41:37+00:00
“I can’t recommend Adam Carmody enough.  We are so relieved that we have finally found someone to help us with our financial investments who has integrity, listens to what we need, gives us sound advice and works personally with us to create our financial success.  After being left by a previous company who didn’t do any of these things, Adam and his wonderful team have been extremely helpful, attentive and really easy to deal with.  We’re looking forward to continuing a long term relationship with Adam and his team.”

The Morros’s Vic

Prior to us becoming a client of Finwell we had a financial advisor that would touch base with us once a year to review our insurances and provide us with an update on how our superannuation was performing.That was basically it. We spent many a year not having any sort of plan for our future or peace of mind other than relying on how our shares were trading in our super fund. To be honest that's all I thought a financial advisor did. After many years of angst and frustration we decided we had enough and turned to your business for support. That's when we met Simone.

Simone is an absolute pleasure to work with and for the first time in my life dealing with financial advisors, she has been the only one that has been able to give us peace of mind about where we are headed financially. It is clear that she is invested in ensuring we achieve our goals and on many occasions has gone out of her way to support us. For that we are grateful. So much so that we have now become your Brand Ambassadors, telling everyone we know about your business and the service and support we have received from Simone. We consider her more than just our financial advisor, we consider her our friend. She is an asset to your business and we look forward to being a client of Finwell for many years to come.
2019-04-29T00:43:15+00:00
Prior to us becoming a client of Finwell we had a financial advisor that would touch base with us once a year to review our insurances and provide us with an update on how our superannuation was performing.That was basically it. We spent many a year not having any sort of plan for our future or peace of mind other than relying on how our shares were trading in our super fund. To be honest that's all I thought a financial advisor did. After many years of angst and frustration we decided we had enough and turned to your business for support. That's when we met Simone. Simone is an absolute pleasure to work with and for the first time in my life dealing with financial advisors, she has been the only one that has been able to give us peace of mind about where we are headed financially. It is clear that she is invested in ensuring we achieve our goals and on many occasions has gone out of her way to support us. For that we are grateful. So much so that we have now become your Brand Ambassadors, telling everyone we know about your business and the service and support we have received from Simone. We consider her more than just our financial advisor, we consider her our friend. She is an asset to your business and we look forward to being a client of Finwell for many years to come.

Members of the Finwell Group include:

Investors Direct Financial Planning Pty Ltd Trading as Finwell Advice – ABN: 50 141 139 228 AFSL: 385827

Silver Oak Lending Pty Ltd Trading As Finwell Lending – ACN: 606 088 448 and Damian Espinosa (#402231) and Adam Carmody (#491 444) are both Credit Representatives (aforementioned) of BLSSA Pty Ltd ACN: 117 651 760 ACL: 391237

IDPA Pty Ltd Trading As Finwell Property – ACN: 623 098 751 Real Estate Licence: 082278L