Financial Planning

We have the best advisors to help you

Meet our Financial Planners! With over 40 years of experience between them, they are passionate about helping you with your financial plan no matter what age and stage of life you are going through.

Kyle Pearson

Financial Planning
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Kyle leads the Roberts & Morrow Financial Services team offering clients a unique approach to investing direct shares, property and income securities..
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Kylie Alcorn

Financial Planning
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Kylie graduated from the University of New England with a Bachelor of Economics in 1988.
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David McDowell

Financial Planning
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David has been providing financial advice to Roberts & Morrow clients for the last two years following 2 years as a financial planner in Brisbane.
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Kyle’s family has a long association with the New England region with his grandfather operating Pearson’s Sawmill in Guyra.

Kyle joined Roberts & Morrow in 1991, graduating shortly after from The University of New England. He qualified as a Certified Financial Planner in 1998 having first gained a sound background in tax as a Chartered Accountant. He became a Partner of Roberts & Morrow in 2009.

Kyle leads the Roberts & Morrow Financial Planning team offering clients a unique approach to investing focusing on direct shares, property and income securities. Kyle’s clients benefit from tailored investment strategies that are transparent, tax effective and regularly reviewed to incorporate changed circumstances and goals.

Kyle enjoys spending time with his wife Jenny and his out of work interests include sport, forensic ballistics and studying & collecting ammunition.

Kyle Pearson is an Accountant Authorised Representative of Count Financial Limited.

Kylie graduated from the University of New England with a Bachelor of Economics in 1988. She began her career in the Australian equity market, working in Funds Management in Sydney and London, moving to Brisbane in 2000 to work in Corporate Superannuation. In 2010 Kylie returned home to her birthplace of Armidale with her husband Scott and two children.

Throughout this time Kylie continued her study obtaining Graduate Diplomas in Applied Finance and Investment and Financial Planning. She is an Associate of the Financial Planning Association of Australia and a SMSF Specialist Adviser.

Kylie enjoys taking the complex and making it simple – “my biggest enemies are apathy and inertia. I’d like to help you take control of your money and your life with the financial knowledge you need to do so”

When not at work Kylie enjoys spending time with her husband on their small cattle property and patchwork quilting.

Kylie Alcorn is an Accountant Authorised Representative of Count Financial Limited.

David worked as a financial planner in Brisbane for two years before joining Roberts & Morrow in 2014. David has 6 years’ experience in the superannuation industry and is passionate about the field of superannuation. He is accredited in providing financial advice for self managed superannuation funds, investment, life insurance and is our specialist in the area of aged care advice.
In his spare time, David enjoys spending time with his family and watching rugby union, especially his home team the New Zealand All Blacks.

David McDowell is an Accountant Authorised Representative of Count Financial Limited.

What life stage are you in

01.
Get a head start
02.
Open for business
03.
Family focus
04.
Time to build
05.
Living the dream
06.
Aged care

01. Get a head start

Whether you’re close to finishing a university degree or beginning to build up skills and knowledge in your current job, it’s never too early to set some life goals and start to create a financial plan. Of course this might change a bit in the years ahead and you might not know exactly what you want, but by starting early, you’ll be ahead of game. Let’s start with building some good habits in budgeting and saving.

Budget smudget you might be thinking, but don’t underestimate the freedom created by having some savings set aside – think travel, shopping and fun! Of course, it may be that none of this sounds like you, and that’s fine too – whatever your exciting plans, the right advice will make the world of difference in the next 5 years.

02. Open for business

Setting up a business is an exciting and daunting time. It’s important before you open the doors, that you make some clear plans and set some initial goals and targets. Getting some advice in advance will save you time and money. Investing time into proper planning is the key to achieving your business dreams.

There’s a lot involved in running a business and as part of your planning you should think about management skills, industry expertise, technical skills, finance and of course a long-term vision to grow and succeed. Arrange to speak to an advisor sooner rather than later.

03. Family focus

Family focus might mean something different from one family to the next. Whether it’s starting a family or spending time with the family you have in your life. If it’s the former, this is an exciting and somewhat daunting time in life. Amidst the discussions about potential names and the overwhelming choices in prams, you will inevitably arrive at a conversation (or many) about money.

Not only saving for this new bundle of joy in your life, but planning how to cope with sudden changes in your income, perhaps going from two incomes to one, or how you’ll afford the extras like daycare or maybe a new car. The earlier you create a plan and start to prepare for these changes, the easier this major change will be.

Whatever your family focus looks like, a solid plan will set you on the right path.

04. Time to build

At certain points in your life, you might be focused on building.

This doesn’t mean building a home or business, it could be a new focus on investment or building your super. Whatever it might be, creating a plan that starts with your goals and works forward from there, will help you to identify the actions and timeline you will need to be focused on to achieve that end result.

An advisor can help you to set up a plan and motivate and assist you to meet those targets.

05. Living the dream

You’ve worked hard to build your wealth over many years and create a nest egg to enjoy once you’re ready to retire or move to a quieter pace of work. Now is the time to enjoy what matters most. That might be family time, travel or taking up that hobby you’ve always planned to master. We all want to be ‘living the dream’ when this time comes. Your dream will be different to the next person.

The bottom line is that you need to plan and prepare for this time in advance. You’ve got many years ahead to enjoy this time, so having a solid nest egg and plan is critical to being able to do it all. Get this advice from your advisor early and be ready.

06. Aged care

Aged care often involves big decisions, often made quickly and under emotional duress. Selling the family home and selecting from supported living options can be a minefield as far as tax, aged care fees, cash flow and age pension entitlement are concerned.

Do you have the knowledge and expertise to make these decisions?