Owner/Director/Financial Planner (ADFS)
John is a Senior Planner and Director of Clear Waters Financial Planning. He has an extensive background financial planning but also in small businesses operations. John has in excess of 13 years as a financial planner working face-to-face with individuals, families and business owners. John is married with three children and 10 grandchildren. His interests revolve around riding his pushbike, gardening and spending time with the family.
Owner/Director/Financial Planner BAcc ADFP
Rhian Applewaite has been involved in the Financial Services Industry for over 12 Years. During this time he worked for one of Australia’s major Banks as a Manager and Finance Officer.
Rhian has completed a Bachelor of Accounting through CQ University Australia, a Diploma of Financial Services and is continuing his professional development through the completion of his Advanced Diploma of Financial Services.
Rhian was born in Rockhampton and has lived locally his whole life with the exception of five years in Biloela and Emerald, through work.
Owner/Director/Financial Planner MAppFin DFS(FP) SMSF
Ben joined the team in July 2015. He has been working in finance since 2004 where he started with the Commonwealth Bank. Ben has a Master’s Degree in Applied Finance (majoring in Financial Planning) along with a diploma in Financial Planning and is an accredited self-managed super fund (SMSF) adviser. He has also completed extensive study in Aged Care planning and is our Aged Care specialist.
Ben is a local family man, married with three children. He was born in Rockhampton and lived most of his life here. He has also spent some time living in the Riverina region of NSW and Brisbane.
Outside of work, Ben is a basketball coach at various levels of the local club and representative competitions.
Financial Planner (ADFS)
Alissa joined Clear Waters Financial Planning as a Financial Planner in 2012 with previous experience working in an interstate financial planning business and managing the local branch of a national recruitment agency. She also has experience in Account Management in the mining sector. She graduated with honours from the University of Missouri – Columbia in America and has continued her professional development through completion of an Advanced Diploma of Financial Services (Financial Planning), Diploma of Financial Services, Diploma of Management, Diploma of Business Marketing and Certificate IV in Human Resources. She is working toward her Graduate Diploma of Financial Planning.
Originally from the United States, Alissa met her Australian husband when they attended high school together in America. Alissa moved to Australia in 2004 to marry her high school sweetheart. After traveling around Australia on a working holiday for three years, the couple chose to settle in Rockhampton and start their family.
Financial Planner (ADFP)
Joining the Financial Planning Industry since 2011, Bryanna has built her professional foundation in Financial Planning through her rounded experience in many roles, including as a Client Services Officer, Paraplanner and now as a Financial Planner, which has been her long-term career goal. Bryanna enjoys building strong relationships and understanding each clients individual circumstances to build strong financial advice strategies to help clients achieve their financial goals and objectives.
Bryanna completed an Advanced Diploma of Financial Planning, is QLD Commissioner for Declarations (Cdec), and continues to build upon her professional development via her current enrolment in the Graduate Diploma of Financial Planning with Kaplan Professional.
Bryanna was born in Central Queensland and has lived here her whole life. Outside of work she enjoys going on holidays and traveling with her partner.
CERTIFIED FINANCIAL PLANNER® (CFP)
John Biddulph joined Clear Waters in 2020, bringing with him extensive knowledge of the financial services industry.
John spent 30 years working for the National Australia Bank (NAB) in various roles from personal finance and Agribusiness manager, to financial planning. John spent the last 15 years as a Senior Financial Planner with NAB.
John is a CERTIFIED FINANCIAL PLANNER® (CFP), having completed his Diploma of Financial Planning and further study to achieve CFP, the highest designation in financial planning.
Originally from Emerald, John has spent most of his life in the Central Queensland region. While he now resides at the Gold Coast, John is committed to providing excellent service for his existing clients and seeking opportunities to develop new relationships.
John enjoys travelling and playing squash. He has recently taken up mountain bike riding, putting his skills to the test in Rockhampton and Nerang.
Candice has been a member of our team since 2009. She supports the business through managing the day to day running of the office and supporting the administration team. She has worked in the financial services industry since 2007 and has gained additional skills in business administration after completing a Certificate III in Business. Candice grew up in the Mackay Districts and moved to Rockhampton in 1999 for her education.
Caitlin is a local Rocky girl and has come to us after working as a Senior Hairdresser for the last 9 years. Caitlin enjoys playing hockey and traveling with her partner.
Chloe is a local Rocky girl and has come to us after working in Job Services Australia for the last 3 years.
Donna has an extensive administrative background, having previously been involved in office administration and customer support in both the banking and accounting sectors.
Pat has been in the financial planning administration field for 6 years, having developed a depth of knowledge over this time, allowing him to be more and more involved in the administration and planning process. Further studies are on the horizon for Pat and we look forward to seeing where his career will take him over the coming years.
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We all contribute to super in order to fund our retirement, but once you do retire what are you supposed to do? Watch John Mackenzie as he talks…