Dream Grow Achieve

David Ramsay

David is the Founder and Principal Financial Planner of Income Solutions. He is a Certified Financial Planner® with more than 25 years in the profession.
David built the business based on his strong belief that anyone can take control of their financial future and he is proud to have shared the journey with many of his long term clients.

Steven Nickelson

Steven has been with Income Solutions since 2006, and now heads up the team in Richmond as Managing Partner and Senior Financial Planner. He is a Certified Financial Planner®, has a Bachelor of Commerce (majoring in Financial Planning), as well as being a Graduate of the Australian Institute of Company Directors.
He advises a broad range of clients and businesses and is passionate about financial education and running workplace information sessions for groups and businesses, and his clients commend him for his exceptional ability to explain complex information in simple terms.
Steven is married with two young daughters, Scarlett and Willow, enjoys golf and bike riding, as well as being a Carlton Football Club optimist.

Gareth Daniels

Gareth has been with Income Solutions since 2009 and previously worked in the finance industry in his native UK. He holds a Bachelor of Arts with Honours, an Advanced Diploma in Financial Services and is Certified Financial Planner®.
Professionally, Gareth gains great satisfaction from providing a high level of support and commitment to keeping his clients on track to achieve their goals. He is particularly passionate about assisting clients from the education sector.
In his spare time, Gareth is quite the gourmet cook and wine enthusiast. Scratch the surface however, and you will find him enjoying a beer and watching his beloved Hawks play..

Elise Ryan

Elise joined the Income Solutions team in 2011 and completed her Bachelor of Commerce in 2012 majoring in Financial Planning and Accounting, and is now a Certified Financial Planner®.
For Elise, the best part of her job is helping clients to achieve their goals. Some lucky clients also get to benefit from her fantastic barista skills.
Elise grew up in Geelong and is a volunteer surf lifesaver with the Jan Juc Surf Lifesaving Club.

Lee Nickelson

Lee has over 10 years’ experience in Financial Planning and is a Certified Financial Planner®. Lee has two young daughters and is involved in the Go Girls Foundation which seeks to connect, honour and celebrate women. In her spare time, Lee can be found supporting the Bombers or practising yoga.

Kane Leersen

Growing up in the countryside near Birregurra, Kane has always been a country boy at heart. With a keen interest in finance, Kane moved to Geelong to complete his Bachelor of Commerce with Deakin University – majoring in Financial Planning and Management. Having worked in the industry for three years, Kane’s desire to be at the coal face, directly helping people, was the driving force behind him joining the Income Solutions team. Returning to his roots, Kane is heading up both our Colac and Hamilton office’s and is excited to be assisting the local community. In his spare time, playing sport (football and cricket), travelling and family time are at the top of Kane’s list of priorities.

Tharaka Leeniyagoda

Tharaka is a Financial Planner based at our Geelong office. He holds a Bachelor of Commerce (Accounting) from the University of Adelaide, a Master of Business Accounting from the University of South Australia and a Diploma of Financial Planning from Kalpan. We’re very happy he left Adelaide for sunny Geelong!
Tharaka is a real “number cruncher” and strategic thinker and is passionate about helping clients to make informed decisions about their financial future. He loves cooking, and regularly donates to Give Where You Live and Assistance Dogs Australia.

Mason Angove

As Operations Manager Mason ensures the day to day running of the office and oversees the Marketing and IT departments. He is also responsible for Financial reporting and HR within the business.
Mason has a passion for developing our people and helping them to reach their personal aspirations and pursuits. He enjoys implementing the latest trends in technology as well as running events to benefit our client experience and ensure we deliver the best service possible.
With a love for music, and pretty much any and every sport that exists, Mason also enjoys American food. Lots of food.

Alison Adams

As the Geelong Office’s Operations Manager, Alison draws on over 20 years of industry experience to manage the Advice team – motivating them to deliver the best service and quality advice to our clients. She ensures the team continue to develop their chosen specialities and career paths and helps build strategic partnerships with complimentary businesses.
In her spare time, Alison moonlights as a taxi driver for her kids. Even with the enormity of this role, she still finds time to entertain family and friends.

Paula Benson

Originally from Brisbane, Paula moved to Melbourne in 2008 to fly for Qantas as an International Flight Attendant. She used her downtime to complete a Marketing & Public Relations degree and left flying to work for a technology company in Melbourne. Paula loves the variety of her role at Income Solutions, working with all locations in everything from event management to digital marketing.
When Paula is not in the office, you will find her taking her puppy Benji for a run.

Sue Ramsay

Sue has been with Income Solutions since its inception in 1987.  As Administration Co-ordinator, she actively takes care of organising the day to day administrative operations and duties.

Jordan Ramsay

Jordyn is an Associate based in our Geelong office, providing support for Jess Hall. Jordyn was based in Canberra for four years where she completed a Bachelor of Arts with Australian National University. Jordyn was then accepted to study at The London College of Fashion to undertake Honours in Fashion Journalism. Then in a complete turnaround, Jordyn decided that the world of finance, rather than fashion was for her. Jordyn is now enrolled at Deakin University, studying for her Bachelor of Commerce. With her good sense of fashion, she does however manage to turn up the glamour profile of the office. In her spare time, Jordyn enjoys the great outdoors, riding her bike or finding the next best fishing spot with her friends.

Kevin Tran

Kevin is an based in our Melbourne office.
He holds a Commerce degree (majoring in Economics, Finance, and Financial Planning) from Deakin University.
Kevin is our resident problem solver, be it a system improvement or a new spreadsheet he is always thinking of ways to help. His desire to help others is demonstrated by his volunteer work with Ronald McDonald house.

Ashley Irwin

Ash is an Customer Service Officer based in our Geelong office.
He has an Advanced Diploma of Accounting as well as a Diploma of Financial Planning.
Ash really loves working with numbers – which is lucky for us! He enjoys basketball and has a passion for cars, is a CFA member and regularly raises money for various cancer foundations.

Zac Ramsay

Josh Ramsay

Josh is our Accounts Assistant based on our Geelong office. Josh completed business studies at the Gordon Institute and with his great attention to detail and love of numbers, he is the perfect addition to our Accounts team. In his spare time, Josh enjoys keeping fit and is a great fan of all sports.

Marnie McGaffin

Marnie has joined our Richmond Office in 2017 as our Director of First Impressions, and loves nothing more than seeing a smiling face! She has two children, a girl and a boy, and on weekends she can be found with her husband and children bushwalking through the Dandenong Ranges or water-skiing at Eildon. Marnie has an Associate Diploma in Health Science and ran her own Beauty Therapy business for over 20 years before joining us!

Marcus Larcombe

Originally from Geelong, Marcus is working in our Colac and Hamilton offices supporting Kane Leersen. Marcus played state representative basketball and football for Geelong Falcons growing up and went on to study a Diploma in Fitness and Massage after High School. Switching careers in 2016, Marcus is currently completing a Bachelor of Commerce at Deakin, majoring in Financial Planning.
On weekends Marcus can be found spending time with his family or playing Golf in Colac, with a handicap of 11.3.

Shosti Haq

Shosti is an Associate based in our Melbourne Office. She holds a Commerce degree (majoring in Accounting and Finance) from Monash University and an Advanced Diploma in Financial Planning.
She has been in the industry for over five years mostly working with Industry funds specializing in superannuation.
She is a language enthusiast, currently attempting to master Spanish. On weekends, she can be found playing a game or two of tennis.

Laura Sheather

Laura is an Associate based in the Melbourne Office. She holds a Commerce Degree (majoring in Finance and Financial Planning) from Deakin University. Laura is passionate about learning to guide people to make healthy financial decisions now that have positive lasting effects in the future. Laura is also the treasurer of an Australian Paralympic Committee that keeps her busy and assists to develop her knowledge of financial control and large-scale budgeting. In her spare time Laura can be found running Albert Park or swimming some laps of the local pool.

Edward Cheesman

Edward is an Associate in the Melbourne office working under Steven Nickelson. Edward is currently studying a Bachelor of Commerce majoring in Economics and Financial Planning at Deakin University in Burwood.
On weekends, you will find him coaching multiple junior basketball and football teams for his local community. Edward really enjoys playing sports. He has competed in several University Games playing both water polo and basketball representing Deakin. Edward supports the Bombers in the AFL and Dallas Mavericks in the NBA.
He really enjoys cooking for his family and wants to learn how to cook different types of foods. He is also excited to be travelling to Tokyo in 2020 to cheer on the Aussies at the Olympic games.

Liam Kearney

Liam joined our Income Solutions team in 2018, as an Associate to Elise Ryan.
Liam has always been a Geelong local, growing up in Ocean Grove. He has completed a Bachelor of Commerce, majoring in Financial Planning, Finance and Accounting.
Liam is passionate about Financial Planning and has always wanted to help people in the local community.
Liam is obviously a Geelong Cats fan & enjoys playing netball, basketball and surfing.