Client Resources 2021-07-19T11:36:54+10:00

Welcome to RFCS Gippsland

RFCS Gippsland offer planning and support for farm businesses with free, independent and confidential financial counselling

Financial counselling provides clients with:

        • The ability to understand their financial position and the viability of their business
        • Identify options and resources to improve in times of growth, or recover from a crisis or downturn
        • Assistance and support to develop and implement plans in an ongoing mentor role (up to 4 years)
        • Referrals to other support agencies, professional and industry specialists, health and wellbeing services, as well as government assistance packages

Click on the images below to view information on all the services and support available

our Financial Counsellor will go through this assistance when you meet. They will be in contact with you soon to arrange a meeting

It is important that you understand what is involved for the application processes, and help you prepare for meeting


Central reference for all available services

RFCS Gippsland can assist:

Client Care Hub

Central reference of all available free support

· farm  · business  · bills  · employment  · violence  · unexpected events  · wellbeing

Emergency financial relief can be found under the ‘Farm Help’ tab

Apply for State & Federal Government Financial Drought Relief:
Farm Business Assistance
Pasture Recovery & Management Program

RFCS Gippsland are able to offer emergency grocery and fuel vouchers thanks to local business donations

Agriculture Victoria

Central reference for all available resources

Dry Season support including:

· Technical   · Financial   · Personal & Family   · Regional

Gippsland Agriculture Recovery Guide – 1 February 2021

Statewide Support Reference Guide – December 2019

Farm Financial Support

The following links are to organisations currently offering farm relief support

Rural Finance – State Drought Relief, Pasture Recovery, Water, and Infrastructure Grants
Rural Aid 
Aussie Helpers
Gippsland Farmer Relief
Bairnsdale Neighbourhood House
Lions Club – Need for Feed
Drought Angels

Centrelink – MyGov

To receive Government Assistance, you must have a MyGov account

Download Instructions

Centrelink Farmer Hotline 132 316

Introduction Letter


Client Service Agreement


Farm Financial Healthcheck


Our Team

KYLIE HOLMES - CPA, B Bus (Accounting), GAICD.
KYLIE HOLMES - CPA, B Bus (Accounting), GAICD.Executive 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.
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 - 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®.

CHRISTINE BOUCHERWellness Support Officer
Christine Boucher commenced with RFCS Gippsland in 2021 to support our client’s personal wellbeing during difficult times. Christine brings decades of health industry experience, previously specialising as an Intensive Care Nurse and more recently as a qualified health and wellness coach, helping organisations transform their culture.

Christine works with our clients personally, offering ongoing support and holistic strategies to reduce stressors and empower clients to reestablish positive mindsets.

KAREN JONESRural Skills Coordinator
Karen is an experienced Operations Manager with a demonstrated history of working in the employment, training, and community services sectors, bringing strong skills and experience in Program Management, Coaching, Strategic Planning, Leadership Development, Project Planning and Organizational Development. Working across the Gippsland region has provided her with an understanding of employment trends and skills shortages across a range of industries.
Karen’s focus is supporting the Gippsland community enhance their lives through employment and training opportunities with tailored support so clients can achieve their goals.
WAYNE SANDERSRural Financial Counsellor (Leongatha)
Wayne is a qualified Rural Financial Counsellor, commencing with RFCS Gippsland 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.

ANNE GILLIGANRural Financial Counsellor (Leongatha)
Anne is a qualified Rural Financial Counsellor (RFC) commencing with RFCS Gippsland 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 in 2008.

TRUDI LAINGRural Financial Counsellor (Maffra)
Trudi is a qualified Rural Financial Counsellor, commencing with RFCS Gippsland in July 2016, based in the Maffra region.
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.

Trudi holds a diploma of Agriculture; Cert IV in Training and Assessing; as well as diploma in Rural Financial Counselling.

CHRIS MARSHALLRural Financial Counsellor (East Gippsland)
Chris is currently studying the Diploma Rural Financial Counselling, commencing with RFCS Gippsland in April 2019 to support clients 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 Counsellor & Small Business Team Leader (East Gippsland)
Chris is currently completing Diploma in Rural Financial Counselling after commencing with RFCS Gippsland in 2020 to support small business and farming 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.
ANNI BLANCHRFC Support Officer (East Gippsland)
Anni commenced with RFCS Gippsland in 2020, bringing a broad and diverse background in small business, financial services and farming, with over 20 years experience as a holistic financial planner, operating her own financial planning practice and sheep farm in regional Victoria. She holds postgraduate qualifications in Finance and a Diploma in Financial Planning, while currently completing a degree in Animal Science as well as a Diploma of Rural Financial Counselling.
IAN MCKENZIERFC Support Officer (Central Gippsland)
Ian commenced with RFCS Gippsland in 2020 transitioning from a 40 career in the automotive industry, moving into CEO & Principal roles, to consulting other owners within the industry with strategic business development, improvement and change management. Ian moved to Gippsland and became an active member of Mental Health Awareness organisations: the Bairnsdale Sunrise Rotary Club and the Blackdog Riders Club – Ride for Life.
Ian understands first-hand the impact of drought, fires and the pandemic is having on small business our rural communities and is keen to use his skills and experience to help business operators recover.
JAMES STEVENSONRFC Support Officer (East Gippsland)
James commenced with RFCS Gippsland in 2020, bringing a range of experience in Superannuation, Financial Planning, Business Banking, Tourism and Marketing. James is dedicated and passionate about his work and assisting Gippsland businesses explore successful recovery strategies, also creating positive and lasting impact to our local communities.
JAMIE ROBINSONRFC Support Officer (East Gippsland)
Jamie commenced with RFCS Gippsland in 2020, bringing many years of Operational and Financial Management experience within the SME sector. Jamie’s family roots are in Gippsland and is passionate about assisting Gippsland businesses and sharing his online marking skills from operating his own Web Design & Social Media business.