About 2020-09-08T15:55:10+10:00

About us

RFCS Gippsland

Rural Financial Counselling Service

RFCS Gippsland offices are conveniently located across our service region covering the whole of south east Victoria – from smaller acreage properties of south east Melbourne surrounds to as far as the New South Wales border, taking in farming and fishing regions of Gippsland and the coast.

Our service covers eleven (11) Council shires across south eastern Victoria: Bass Coast, Baw Baw, Cardinia, Casey, East Gippsland, Latrobe, Mornington Peninsula, Nillumbik, South Gippsland, Wellington and Yarra Ranges.

Our Service

Experienced and professional Rural Financial Counsellors (RFC) are available to meet with you on your farm, business premises, or any location that is suitable for you.

RFC can help develop plans for improving your future.

  • Free Service

  • Experienced & Qualified Counsellors

  • Here to help you achieve financial sustainability

More Info

Our Purpose

We treat everyone with dignity, express genuine care and concern for others, and have an appreciation that all people and circumstances are different

We treat everyone with honesty and fairness, in a professional and engaging manner, and we take responsibility for our actions

We build trust by being open, honest, respectful and reliable with each other and with our clients

We are inclusive and recognise the contributions and achievements of everyone involved in our success

We value the opinions of others and commit to fostering a culture of open and honest communication and transparent and fair decision making

To provide free rural financial counselling services (RFCS) to eligible primary producers, fishers and small rural businesses in Gippsland as supported by programs funded by the Australian and Victorian Governments

To provide charitable financial assistance to farming families in need.

Be a valuable service
to our rural community, with a skilled, professional and respected team of Rural Financial Counsellors (RFC)

Ensure a flexible, effective and efficient service for the delivery of rural financial counselling service (RFCS).

Support the ongoing development of skilled, professional counsellors.

Facilitate structural adjustment for farmers wishing to exit the industry.

Work with RFCS East Vic clients to ensure goals are reached and the client feels supported along their journey.

Provide valuable service to our clients, the community and our funding body.

Maintain the confidentiality of our clients.

Our Governance

We are a non-profit organisation supported by programs funded by Victorian & Federal Governments aiding farming communities and small rural business owners at risk of financial hardship.

Our two Victorian and Federal Government major funding bodies are:

Commonwealth Department of Agriculture and Water Resources (DAWR)

Victorian State Department of Economic Development, Jobs, Transport and Resources (DEDJTR)

Donations from local Gippsland businesses provides at risk households with invaluable emergency relief support.

RFCS Gippsland Board of Directors provide the governing oversight for the achievement and reporting of our funded purpose.

View our current Board Members

They are accountable for upholding our legal, financial, risk and regulatory obligations, as well as guide our strategic vision, objectives and community advocacy.

To ensure appropriate understanding and guidance of our services, all of our Directors must have significant background and experience in the Agriculture/Rural sector(s), in addition to governance, business, economic, legal and community acumen.

Interested in being a member of the Board?  view the Board Position Description

Directors and members of RFCS Gippsland operate within its adopted Rules of Association

To further ensure compliance with statutory and funding obligations, the Board have formed sub-committees to oversee Audit, Remuneration and Governance:

Audit Sub-Committee – Charter

Remuneration & Governance Sub-Committee – Terms of Reference

Annual General Meetings are held in November

RFCS Gippsland Board members, Executive Officers and Employees all operate under a Code of Conduct (in conjunction with our policies and the Australian Public Service (APS) Values (Part 3 of the Public Service Act 1999 (Cth)).  The code of conduct provides guidance and rules for appropriate conduct in the performance of our duties.  This embodies the commitment to act honestly and exercise a high degree of care and diligence in the discharge of our responsibilities, and to undertake activities in a manner which ensures public confidence in the administration of our services.

Read the detail of our Code here – RFCSV-G Code of Conduct

To ensure the protection, inclusion and satisfaction of our clients, employees, stakeholders and community, our Board have adopted and work within a suite of policies to provide appropriate controls, commitments, treatment, responses and guiding principles of operation.

Our policies cover financial and risk management, diversity and equality, compliance, integrity, employment, as well as work health safety & wellbeing.

To view our policies in detail, click the following link or visit the page Our Policies

Our Team

KYLIE HOLMES - CPA, B Business (Accounting), GAICD, MBA
KYLIE HOLMES - CPA, B Business (Accounting), GAICD, MBAExecutive Officer (Leongatha)
Kylie commenced as Executive Officer of RFCS Gippsland in September 2016. Kylie has worked in the banking and finance industry, and more recently with water service and supply organisations in various management roles including finance, IT, regulation and business services. Working with water service organisations, Kylie has had involvement with the rural and farming sectors assisting with water supply services.
MEGAN COLAHANAdministration / Finance Officer (Leongatha)
Megan was employed by the Gippsland Farmers Support Group prior to the merge of the two Gippsland services in 2006. Megan is responsible for managing all financial aspects of the service, including payroll, tax, statutory and Government reporting requirements, and providing admin support to the counsellors and Executive Officer.

Megan has completed a Diploma in Business Administration and Cert III in Small Business Management.

CHELSEA TAYLORBusiness Development Officer
Chelsea Taylor has over 20 years of experience working in project management, product management and business development roles in the finance industry. She has held positions and major contacts with Visa, NAB, Bank of New Zealand, ANZ and Westpac which have seen her work with hundreds of businesses and government organisations across the Asia-Pacific region.

During the last decade, Chelsea successfully managed Visa’s two key expense management platform migrations for the Australian and New Zealand market.

Chelsea is originally from Leongatha, having grown up on a beef and blueberry farm, and currently resides in Walkerville. She is a committee member of the Southern Business Women’s Network, and previously served on the Walkerville Foreshore Reserve Committee of Management.

JENNY MASONSenior Rural Financial Counsellor Coordinator (Maffra)
Jenny was appointed Senior Rural Financial Counsellor Coordinator (SRFCC) in 2009. Prior to this she was employed as a rural financial counsellor and projects officer for RFCS Gippsland. Her project work focused on farm succession, diversification, employment, retirement and selling. The culmination of this work was presented at the Farmers Choosing Change Expo in 2005 followed by a workbook and DVD.

Jenny grew up on a dairy farm and has continued to be involved in the dairy industry as a farm business owner and operator in partnership with her husband.

This background provides Jenny with a very comprehensive and practical understanding of both business and operational issues confronting farmers in Gippsland.

Formal qualifications and accreditation include Business (Accounting), Community Services – Financial Counselling, Case Management & Welfare Work, Training & Assessment, Family Meeting Facilitation, Professional Supervision.

JANE COOTS - BBusCom (Accounting), CPA
JANE COOTS - BBusCom (Accounting), CPAFinance Manager & Rural Financial Counsellor
Jane is our Finance Manager, appointed as Rural Financial Counsellor in April 2016, continuing in this role servicing clients across South & West Gippsland and the Yarra Ranges.

Previously an accountant, Jane is CPA accredited and holds a Diploma of Financial Counselling (Rural).

Together with her husband, she was a dairy farmer in Trafalgar for 15 years before leaving the industry at the end of 2015. She was also a director of the Board of Trafalgar Community Bank®.

ANNE GILLIGANRural Financial Counsellor (Leongatha)
Anne started as a Rural Financial Counsellor (RFC) in January 2010, and works at our Leongatha Head Office.

Anne has a background in finance having worked at the Commonwealth Bank and a local finance organisation. She also worked at the Department of Primary Industries for six years assisting in various departments in a casual administration role.

Anne and her husband owned and operated their family dairy farm at Buffalo until 2008.

Anne completed her Diploma of Community Services (Financial Counselling) in late 2011.

WAYNE SANDERSRural Financial Counsellor (Leongatha)
Wayne commenced as a Rural Financial Counsellor (RFC) in June 2016.

Wayne has a background in banking and finance in the Gippsland region of over 25 years. Previous roles have included Regional Finance and Regional Finance/Administration Manager with Wesfarmers, Branch Manager with Bendigo Bank and Gippsland Area Finance Manager with Westpac/AGC. Over the last 10 years Wayne has worked in employment within the job network and retail management in Leongatha.

Wayne has lived in Berry’s Creek for 22 years and is an active CFA firefighter for 20 years.

Wayne is currently undertaking the Diploma of Financial Counselling – Rural.

TRUDI LAINGRural Financial Counsellor (Maffra)
Trudi commenced as a Rural Financial Counsellor (RFC) in July 2016 and is based in the Maffra office.

As a former dairy farmer, she has owned and operated a dairy farming business in south Gippsland for 24 years until 2012.

She formerly worked at South Gippsland Water as the Procurement Officer and IT training and support. Trudi has a background in banking having worked at the Commonwealth Bank and has held positions in accounts payable and purchasing in the communication industry.

She has completed her diploma of Agriculture and her certificate IV in Training and Assessing and is currently completing her Diploma of Financial Counselling – Rural.

WAYNE JEFFERIS - Bachelor of Business(Accounting) FCPA
WAYNE JEFFERIS - Bachelor of Business(Accounting) FCPARural Financial Counsellor (Bairnsdale)
Wayne was appointed as a Rural Financial Counsellor (RFC) in July 2017. Wayne’s background is in Public Accounting & farming. He was a partner in an Accounting Practice in Leongatha for many years where he worked with farmers & business clients to assist with all forms of compliance, management, finance & succession planning issues.

Wayne also had a passion for farming & operated his beef farm in South Gippsland until recent time.
Wayne & his wife have moved to Bairnsdale to reside.
Wayne is currently undertaking the Diploma of Financial Counselling – Rural.

CHRIS MARSHALLRural Financial Support Officer (East Gippsland)
Chris commenced with RFCS Gippsland in April 2019 to support clients in East Gippsland and Wellington Shires apply for financial assistance.
With a farming background, Chris also has significant experience understanding and representing fellow farmers as a committee member for the Southwest Rural Counselling Service for 10 years, as well as bringing substantial understanding of government assessment criteria working within Centrelink for 23 years (7 of those as a Rural Service Officer and Farm Household Case Officer), receiving written commendation from Federal Minister for Agriculture for work as a rural public servant.
CHRIS JEHURural Financial Support Officer (East Gippsland)
Chris commenced with RFCS Gippsland in 2020 to support clients in East Gippsland and Wellington Shires navigate financial support.
Chris grew up in South West Victoria working for local dairy farmers and contracting business and has resided in Gippsland for 10 years. He brings over 7 years of banking and finance experience with previous rolls as small business personal banker, financial planner and accounts manager. He has a passion for business and farming, particularly the diverse and unique Gippsland businesses with the support they give each other. Chris is currently undertaking the Diploma of Financial Counselling- Rural

Our Board

Mr AUBREY PELLETT - Dip Farm Mgmt, B Commerce (Farm Mgmt), Grad Dip Info Systems, GAICD
Mr AUBREY PELLETT - Dip Farm Mgmt, B Commerce (Farm Mgmt), Grad Dip Info Systems, GAICDChair
Aubrey has been a RFCS Gippsland Board member since 2012 and is also a member of the Audit Sub-Committee.

Aubrey lives at Hill End in West Gippsland where he has operated a dairy farm business since 2002. Before farming Aubrey worked in rural and retail banking and for Bonlac Foods during 2004 – 2005 as a field officer in Gippsland.

Aubrey was a director of GippsDairy between 2010 and 2014, is currently the Deputy Chairman of the Bonlac Supply Company, a Fonterra Forum Delegate since 2012, and appointed to the Agribusiness Gippsland Board in 2017.

Mr Dean Cullen
Mr Dean CullenDeputy Chair
Dean commenced as an RFCS Gippsland Board member in 2019 bringing extensive financial services experience, most recently as General Manager within the Insurance industry that includes risk management, strategy and significant financial analysis, particularly for commercial, small business and farming clients, as well as being successfully accountable for business, product and employee performance.
Dean has a long standing connection with the South Gippsland region both as a resident as well as in a professional capacity.
Mr ROBIN LOWE, FCA Treasurer
Robin has been a RFCS Gippsland Board member since 2012 and has served as Vice Chair of the Board. Robin is currently the Chairman and Treasurer of the Audit Sub-Committee.

Robin grew up on a small dairy farm in South Gippsland before completing his Bachelor of Business at Monash University. He is a Senior Principal of Crowe Horwath, an integrated financial services provider within Gippsland and part of an international accounting network.

Robin has over 35 years in public practice and has spent his entire working career in advisory roles. A diverse client base of small to medium enterprises provides exposure to a very wide range of business situations. He has a keen interest in the not-for-profit sector and is a long serving President of the Sale Tennis Club as well as serving on advisory committees with Tennis Victoria.

Robin is a Fellow of the Institute of Chartered Accountants, a Registered Tax Agent and a Registered Company Auditor.

Mrs Clare Adams - BJ
Mrs Clare Adams - BJBoard Member
Clare commenced as a RFCS Gippsland Board Member in early 2018 bringing extensive experience within financial services, banking and employment industries.
Clare has considerable experience on boards within the education and aged care sectors, with specific expertise in finance and audit.
A previous member of the Regional Victorian Small Business Partnership and Reference Group, Clare is highly involved in her community of Sale, and is currently appointed as a Victorian State Bail Justice.
Ms Raelene Hanratty
Ms Raelene HanrattyBoard Member
Raelene commenced as an RFCS Gippsland Board member in 2019 and has a background in banking, operated a Dairy Farm for 32 years, and has held numerous positions on boards and committees, with an extensive volunteering record as President, Treasurer, Manager and Coach for various State and local sporting groups in Gippsland.
Current positions include a Mentor for the Lifeline Farmers’ Friend program; Deputy Chair of Heyfield Hospital; Customer Consultative Committee Deputy Chair for Southern Rural Water, with representation on the Modernization Program and Agriculture Industry Group engagement committees. Previous advisory roles include representing the agricultural sector in the Gippsland Regional Assembly, and representing the Dairy industry in local and government discussions and inquiries.
Raelene brings significant experience in business management and governance including finance; risk; strategy; stakeholder relations; legal and regulatory compliance.
Ms Heather Stacy (AM) - Dip Applied Science (Ag), Grad Dip Rural Leadership, MBA, GAICD
Ms Heather Stacy (AM) - Dip Applied Science (Ag), Grad Dip Rural Leadership, MBA, GAICDBoard Member
Heather commenced on the RFCS Gippsland Board in November 2019, bringing significant agribusiness, workplace culture, and governance experience (specialising in risk, strategy and finance) within corporate, government and non-profit sectors internationally. Heather grew up on a dairy farm and has continued her career working across various family and large corporate agribusiness industries in Australia and New Zealand, predominantly in Senior Management roles (including United Dairyfarmers and Fonterra), and has held Board Director memberships with AgriFutures; West Gippsland Healthcare Group, and Victorian WorkCover Authority. Heather is a graduate of the AICD, Australian Rural Leadership Program, and holds an MBA as well as qualifications in Agricultural Science. Her contributions to Rural Australia have seen her become an honouree member of the Order of Australia.
Ms Michelle Dowsett - CPA, MBA, BBusCom, GAICD
Ms Michelle Dowsett - CPA, MBA, BBusCom, GAICDBoard Member
Michelle commenced on the RFCS Gippsland Board in November 2019, bringing significant skills and experience in senior management; policy; finance; people and culture; compliance; risk; strategy and overall governance. Michelle currently resides at a family hobby cattle farm in Longford, Gippsland and is the CEO of a community based non-profit Elderly Citizens Village in Sale. Amongst other roles, she was previously a Lecturer at Victorian University, has held Directorships; Independent Audit & Risk; Treasury; Committee memberships and Volunteer roles in both private and government sectors across Education; Utilities; Municipal Agencies; Health Care; Employment; Aged Care; Sporting and Indigenous organisations. Michelle holds a range of qualifications in Business, is a certified CPA, holds an MBA, and is an AICD graduate.