Our Team

Catherine Smith - Financial Planner, Mortgage Broker, Real Estate Agent, PIPA Member, Investment Property Coach, CEO & Founder


Sub-Authorised Representative No. 280121 of

Wholistic Financial Coaching Pty Ltd

Corporate Authorised Representative of GPS Wealth Ltd

AFSL 254544 |Australian Credit Licence 254544| ABN 17 005 482 726

Catherine has had over 25 years experience in Taxation, business, SMSF's, finance and property investment. She holds an Accounting Degree and a Masters degree in Taxation and was recognised by the Certified Practitioners of Australia (CPA) Society as a 'Specialist in Taxation' in 2001. She spent 11 years with the Australian Taxation Office as a senior Audit manager and a Fraud Investigator.

After leaving the ATO Catherine established an Accounting practice in Ulladulla in 2002 and then relocated the practice to Canberra in 2006. Catherine is a member of FBAA, a Fellow of the NTAA and a member of PIPA. She also holds a Diploma of Financial Planning, a Diploma of Mortgage Broking and Finance, a Diploma of Real Estate, a Masters Degree in Taxation and a Degree in Accounting. She is also a Justice of Peace and Certified Results and Master Results Coach.
Most importantly Catherine is a passionate Property investor. She bought her first property when she was 17 and has brought and sold over 20 properties in the last 20 years. She currently maintains a large property portfolio and has properties in ACT, NSW, Qld, and Vic. She holds both residential and commercial properties and her aim is to retire to the coast and live financially independent through the capital growth on her property portfolio. Catherine made many mistakes during her investing career and her main goal is to help her clients not make the same mistakes.
Along with a busy career, Catherine is raising four young children and knows the importance of children to our future.

Michael Johnson- Director and Registered Tax Agent


AIPA FTI

Michael is a Registered Tax Agent, Fellow of the Tax Institute and Associate of the Institute of Public Accountants with over 10 years’ experience in the accounting profession both as an employee and running his own business.

Michael specialises in working with Individuals and small businesses to not only help them get the best tax outcome but to also help them understand their tax and business affairs and put them on the right track moving forward.

Michael loves watching and playing sports and when not out on the sporting field can often be found camping or fishing somewhere in the great outdoors.

David Beaumont- Senior Tax Manager


David (or “Bowie” as his friends call him) completed his Bachelor of Business (Accounting) degree in 1984 and has been a CPA for over 30 years dealing with wide range of businesses in retail, manufacturing, hospitality and service industries. A direct result being a wide range of experience gained at many levels of business, including that of directorships and CFO roles.

He has held a Registered Tax Agents Licence for over 30 years and is also a Registered Agent with the Australian Securities and Investment Commission.

He has been married since 1985 and along with his wife have raised 4 wonderful children.

During his working and business career to date, he has been involved in Public Practice as an employee for 4 years and as a Partner for over 25 years. He also spent just over 9 years establishing and growing a Holiday Resort Management business in Merimbula from $0 turnover into a multi-million dollar turnover business before selling his interest in that business in recent years.

His professional interests include:Taxation, Management Consulting, Profit & Cash Flow Improvement, Business Exit/Succession Planning, Optimising Business Value, Business Planning, Business Coaching and takes a strong interest in Finance and Investments.His personal interests include:Australian Rules Football, Tennis, Golf, and the beach.



Ninette Ferlitsch - SMSF Manager/Administrator


Ninette Joined WFS in 2010 and has been working in the SMSF field for over 11 years. She is experienced and proficient in SMSF legislation, compliance and the workings of SMSF’s, dedicating herself to the smooth running of our client's requirements. She worked for Phase Three Superannuation and Retirement Consultants (Peter Bishell) for 2 years before transferring to Walter Turnbull/Price Waterhouse Coopers Lybrand for a further 2 years. Ninette has completed her Diploma in Financial Planning, is RG146 compliant and an Associate Member of the SMSF Association. Other qualifications she has gained relating to her role as SMSF Manager are a Diploma of Management, Certificate in Property Management (NSW) and Certificate IV in Bookkeeping

Interest: Outdoors, bush-walking. mountain biking and camping.

Iris Yan - CPA Accountant (Melbourne) 0415 378 302


Iris is a qualified CPA. She has a bachelor of Commerce, Majoring in Accounting, a Diploma in Taxation and an Advanced Diploma of Australian Law Part 1 (AIFA). Iris has been with WFS for 6 years and is responsible for the smooth processing of individual and rental property tax returns, tax return lodgements, liaising with the ATO, company setups, ABN and TFN applications and bookkeeping for our business clients.

Mary Zamer -Tax Accountant


Mary is the newest member of the WFS team and she plays an important role in the firm. Mary is the first point of contact for the office and also performs many tax functions ranging from tax return interviews through to processing returns and also performs various administrative tasks across all divisions of the firm. Mary grew up in Egypt where she studied accounting and then later moved to Australia to continue her studies. She is experienced in taxation and is a valuable new addition to the firm, we are excited to have her start with us for the new tax season.

Simon Spriggs- Senior Accountant


Simon has been working in the tax and accounting industry in public practice and building his expertise over the last three years. He has a Master of Accounting/MBA is an Associate of the Institute of Public Accountants and is currently half way through his CPA qualification.

Simon loves dealing with clients to get them the best possible tax outcome and helping them find all those tax deductions that most people don’t know about. He is also passionate about investment properties which has led him to owning multiple investment properties himself.

Chris McGuigan - Senior Tax Manager

Chris has over 30 years experience in accounting in a broad range of roles. Over 15 years working closely with small to medium-sized businesses for financial, tax, computer and management consulting. Also involved in practice management focusing on the internal systems of the accounting firms as businesses themselves.

Chris also has spent almost 15 years in commercial accounting roles both in the private and not for profit sectors.

Having owned and operated her own businesses in various sectors Chris fully appreciates the need to wear “multiple hats” as required with the day to day pressures of businesses to manage multiple tasks and priorities and understands the challenges faced by business owners in our changing environment today.aving o

Justice of Peace (ACT & NSW)

Her personal interests include:

Travel, spending time with my family and enjoy a good “chick flick”.



Tanya Ristevska - Mortgage Broking Admin Assistant


Tanya has had over 15 years experience in Mortgage Broking. She has worked for numerous Mortgage Broking Companies including Aussie Home Loans and Rams. She has been working for WFS for over 5 years and is a polite, friendly, helpful member of the team. Her work standard, professionalism and ethics are also of an extremely high standard and you can rest assured that if Tanya is working on your file - you are in great hands



Abby Morphett- Tax Accountant & Mortgage Consultant (Melbourne)


Abby Morphett has been working in the accounting industry for the past 10 years and particularly in Individual and Small business for the past 5 years. With Abby’s experience in accounting coupled with her extensive knowledge of the Property Industry, Abby is a power house to have in your corner when maximising your returns, particularly where investment properties are concerned.

Abby has a Diploma in Accounting and a Certificate in Business. She is currently completing her Cert IV in Mortgage Brokering and finance management as well as her Bachelor of Laws.

With her passion for ongoing education, Abby fits in well with the Wholistic Team.


Jake Lampe- Financial Planner


Sub-Authorised Representative No. 1239773 of

Wholistic Financial Coaching Pty Ltd

Corporate Authorised Representative of GPS Wealth Ltd

AFSL 254544 |Australian Credit Licence 254544| ABN 17 005 482 726

Jake is a diligent and professional Financial Planner, his client’s needs are always his number one priority. Since 2008 he has worked with Insurance & Finances for some of the biggest insurers and banks in the country.

Jake can assist you to build financial wealth with an array of specialised tools and knowledge. There are numerous ways to achieve financial wealth depending on a person's specific situation and goals. Jake's specialty is getting to know his client and their situation to implement a plan to best help them reach their goals. He does this by ensuring every client has a clear understanding of the process and products they hold. No job is too big or small, his goal is to help as many clients as possible achieve financial independence.

He currently holds a Diploma in Financial Planning, a Tier 1 in Insurance Broking from the Australian and New Zealand Institute of Insurance and Finance, a Tier 2 in General Insurance & a Certificate 3 in Financial Services.

Trudy Heins- CFP Financial Planner (Brisbane Office)


Trudy has over 25 years’ experience in the financial services industry and is the Director and Senior Planner of our dedicated Financial Planning arm – Wholistic Financial Coaching.

Trudy is passionate about providing long-term quality and solid advice. She holds a Diploma in Financial Planning and is a Certified Financial Planner (CFP). She also has specialist qualifications in  Self-Managed Superannuation Funds (SMSFs) and Margin Lending.

Trudy came to WFC to establish our Queensland footprint  and has become an integral part of our business. With part ownership in WFC  she is committed to long term relationships and solutions with her clients. She prides herself in being able to explain investment and risk concepts in a “plain English fashion”. Trudy views that an ongoing client and adviser relationship is paramount for financial success.

Trudy specialises in retirement planning including Centrelink and Self-Managed Superannuation strategies. However, is well versed in all areas of “Wholistic” planning. 

Trudy splits her time between Brisbane where she has  grown children and three grandchildren and Canberra her hometown. 



Nadia Ashraf- Junior Accountant SMSF & Tax


Nadia has joined WFS in December 2016. She has a Bachelor of Business Administration, Majoring in Accounting and Finance. She has completed Master of Finance from the University of Technology Sydney and Professional Accounting from the Australian National University. Currently, she is responsible for a wide range of administrative duties in WFS. She is looking forward to expand her knowledge in taxation and investment from WFS team. Also, she would like to continue her studies and be a Certified Professional Accountant in future.


Elaine Yao - Accountant

Elaine joined Raw Chartered Accountants in February 2017, having completed a Master Degree in Professional Accounting through University of Canberra.

Elaine now works as part of our taxation team. Her role includes preparing Individual Tax Returns, ensuring each client group’s program of annual services is up to date and supporting senior staff.

Elaine is a dynamic and friendly person with six years’ experience in the customer service industry, she is passionate about managing and developing relationships with clients.

Elaine is currently undertaking the CA program and will soon join the Institute of Chartered Accountants.

Qualifications:

  • Master of Professional Accounting (University of Canberra)
  • Bachelor of Tourism Management (University of Canberra)

Interest: Volunteering at a local community church, Travel, Food and Wine Tasting

Alex Xue- Admin and Junior Accountant

Alex has joined Wholistic Financial Solutions (WFS) in July 2018 as a tax administration assistant. He has a Bachelor degree of Industry Management and he has completed Master of Accounting from the Australian National University. In terms of his work duties, he is responsible for a wide range of administrative duties in WFS, especially for taxation team. He is looking forward to expanding his knowledge in taxation and investment from WFS team. Also, he would like to continue his studies and be a CPA in the future.

Hobby: Gym, Travel, Food and basketball (outdoor sports).


Carl Fenton – Accountant and Registered Tax Agent


MIPA AFA

Carl joined WFS last year and has been a driving force in the business ever since. He has over 10 years in accounting , both as an employee and running his own business. He holds a Diploma in Accounting and is an Associate member of the IPA.

Personal Interest:

He is a keen golfer and plays regularly both in Canberra and the Snowy Mountains.

He likes to watch Footy Ball- (the English version- GO THE CANARIES ), AFL and enjoys a glass of wine.

Jeffrey Herron- General Manager Wholistic Property Solutions QLD


My vision is to empower every client with the property knowledge and skills to make positive and informed decisions to secure their own financial future.

With a strong focus on personalised service and a superior industry knowledge, all in a professional and transparent work space, I carefully consider each client’s individual requirements before tailoring a property management solutions to meet their needs. I have over 25 years senior business acumen as a Business Owner, Senior Accountant and Senior Manager of established industry leaders in real estate, manufacturing, property and facilities management, management rights, construction and property development.







Anna-Marie Clarke –  Tax Administration assistant 


Anna has 15 years customer service and retail management experience, coming from the luxury cosmetics industry. In 2018, She decided to take her first steps into the accounting world and started studying Accounts and Bookkeeping Certificate 3 and then joined WFS this year. Anna is working towards finishing her Certificate 3 this year and then moving on to Certificate 4.  She is looking forward to developing her skills in the area of Taxation Administration and is enjoying being part of busy accounts office and learning about the different divisions of the business.


Personally Anna has two young children and manages her sons soccer team, she enjoys travel and the occasional night out with friends.

She bought her first property here in Canberra after moving from the UK. Her dream is to build a property portfolio, including building a ‘forever home’ for her family.’


Abin PYAKUREL- Tax Agent and Mortgage Broker


Looking for a new challenge, Abin Joined WFS Canberra in 2019 after spending more than 10 years in Bookkeeping and Accounting field.

He has Executive MBA degree from Nepal. He migrated to Canberra to start working in Accounting and Bookkeeping in 2011. 

Abin has an inherent understanding of the value of providing excellent customer service and brings his passion for customer service, friendly personality and superior attention to detail to his role as a Broker and Tax Agent.

Driven by the desire to help his clients meet their financial goals and objectives, WFS is grateful to have someone as knowledgeable as Abin join as a Tax Agent and a Mortgage Broker. Abin will continue to work closely with one of our Senior Mortgage Brokers and Senior Tax Agent as his experience and knowledge of this complex industry grows.

With a strong understanding of the home buying process - as both a lender and administrator - his comprehensive knowledge and friendly nature will guide and inform our clients throughout the entire process of buying a home.

 He is a member of the MFAA and holds his Diploma in Mortgage Broking.