Our Advisers
Michael Bowman, CFP
Independent Financial Adviser
Principal, When Financial Solutions
Servicing North West and New England NSW
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Michael is a co-founder of When Financial Solutions, where he practices as an independent financial planner.
Michael was born and raised in Barraba and has lived in Tamworth since 1997. He is married to Kate and has two teenage children. He enjoys outdoor activities, particularly watching and encouraging his children in sport, but also keeping himself fit via cycling and attending the gym. He loves to travel within Australia, taking a particularly liking to remote outback regions of South Australia, Northern Territory and Western Queensland.
Michael is also actively involved in the local Tamworth community through his membership with the Rotary Club of Tamworth Sunrise where he is a past president and treasurer as well as part of the committee which runs the annual Pedal the Peel cycling event.
Garth Collingwood
Independent Financial Adviser
Principal, River City Financial Planning
Servicing South East QLD
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Garth Collingwood is a dedicated retirement planning specialist who’s been guiding clients through retirement since 2004. Based in South East Queensland, Garth has helped thousands of individual and families from across Australia in preparing for retirement with clarity, structure, and a steady, reassuring approach.
He has extensive expertise in the complex world of defined benefit superannuation, including the Commonwealth Superannuation Scheme (CSS), the Public Sector Superannuation Scheme (PSS), and QSuper Defined Benefit.
What sets Garth apart is not just his comprehensive knowledge – it’s the way he works with his clients. His approach is honest, collaborative, and respectful. He values straight-talk over spin, ensuring his clients always understand the facts. Thorough and attentive, he takes the time to diagnose the real issues his clients face, and explains clearly what they can and can’t achieve.
To Garth, clients he takes on are like family. He takes the time to get things right – there is no clock watching. He is always prepared to go the extra mile, and stands in his clients’ corner every step of the way.
With his background in Behavioural Science, Garth combines deep technical financial expertise with clear, logical communication. He breaks down even the most complex financial concepts into simple, understandable terms – so you can make confident, informed decisions about your future.
Garth’s planning approach is meticulous yet never overwhelming. He keeps things straightforward, practical, and focused on what matters most: helping you reach your retirement goals without unnecessary detours.
Daniel Crump, CFP
Independent Financial Adviser
Principal, Daniel Crump Financial Planning
Servicing Central West NSW
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Daniel is the founder of Daniel Crump Financial Planning, where he practices as an independent financial planner.
He has built his career over more than 20 years as a financial planner in Central West NSW, helping thousands of local people plan for their retirement.
Daniel lives in Orange with his wife and five children. Here’s a proud and active member of the local community, currently serving as Treasurer of the Orange Cycle Club.
Chris Keating
Independent financial adviser
Partner, Finspire Advisers
Servicing Newcastle, Lake Macquarie and the Hunter
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Chris is a co-founder of Finspire Advisers, where he practices is an independent financial planner.
Chris has worked in financial services for 15 years, 10 of those years as a financial planner. To Chris, financial planning is about possibilities. He gets great satisfaction from helping clients figure out what they want could be a reality.
And he does it all with professionalism and respect. Chris believes that care, understanding, trust and empathy are the foundations of a great financial plan.
Chris grew up in Valentine and still lives in Lake Macquarie with his wife and three daughters. Together, they live an active lifestyle. They love camping, bushwalking and beach adventures with the family dog, all squeezed in between netball games and Little Athletics events.
Rick Latimore
Independent Financial Adviser
Partner, Finspire Advisers
Servicing Newcastle, Lake Macquarie and Hunter
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Rick is a co-founder of Finspire Advisers, where he practices as an independent financial planner.
Rick has worked in financial services for more than 15 years, and as a financial planner for almost 10 years.
As an independent financial adviser, Rick is setting a new standard for unbiased advice. He is paid only by his clients and only for the services he provides. He receives no commissions, asset-based fees, or any other benefits from investment providers whatsoever. What you see is what you get. There are no hidden agendas.
Rick grew up in Taree but has built his career in Newcastle. He lives in Lake Macquarie with his family and on the weekends can be found driving his four boys to and from sporting events.
Peter Lillicrap, CFP
Independent financial adviser
Principal, Securus Retirement Solutions
Servicing Greater Sydney
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Peter is the founder of Securus Retirement Solutions, where he practices as an independent financial planner.
Peter worked as a financial planner with Aware Super for over 25 years, specialising in Government defined benefit super funds.
As a financial planner, Peter is keen to spend time understanding his clients’ needs and objectives, then using his knowledge in the retirement planning space, providing solutions and peace of mind.
James McMaster
Independent Financial Adviser
Principal, When Financial Solutions
Servicing North West and New England NSW
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James is a co-founder of When Financial Solutions, where he practices as an independent financial planner and has achieved industry leading rates of client satisfaction.
James grew up on a farm near Warialda and now lives in Tamworth with his wife, Emma and 3 children, Archie, Darcy and Harriet. He supports and still regularly participates in local community sporting events, such as running, cycling and triathlon events. James is also a committee member of the Tamworth Junior Cricket Association.
Cassandra Pearson
Independent Financial Planner, River City Financial Planning
Servicing South East QLD
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Cassandra is a Certified Financial Planner® professional with industry experience dating back to 2010. Over the years, she has developed deep expertise in defined benefit super schemes, with a particular focus on QSuper Defined Benefit, the Commonwealth Superannuation Scheme (CSS), the Public Sector Superannuation Scheme (PSS), and Military Super.
What sets Cassandra apart is her ability to make sense of even the most complex financial matters. She has a true talent for cutting through jargon and delivering clear, practical guidance – empowering clients to make confident, informed decisions about their future.
Cassandra began her career in Canberra, building a strong foundation in retirement planning, estate planning, and defined benefit super. More recently, Cassandra broadened her perspective during her time in the United Arab Emirates, where she provided personalised financial advice to Australian expats.
Cassandra holds a Bachelor of Commerce, majoring in Financial Planning, Banking, and Financial Services. She is a proud member of the Financial Advice Association Australia (FAAA).