Phillip Young (CEO)
Diploma of Financial Services (Financial Planning), Accred. Member Assoc of Financial Advisers
Phillip is a founding director of AFRM following a career in management of a large Multi-National Company and now brings over 20 years of extensive experience in management of a financial services industry company. He specialises in giving advice relating to financial and estate planning, business and personal risk management planning and has an in depth knowledge of insurance contracts.
Phillip is a member of the AFA, a member of a number of insurance industry committees evaluating new risk products and regularly presents to his peers at insurance industry state and national conferences.
Nicholas Hatherly (GM) 
Diploma of Financial Services (Financial Planning)
Nicholas is a founding director of AFRM, following a career in Banking, Finance and Commercial Real Estate. He has over 13 years experience in financial risk management, specialising in business matters such as succession planning and keyperson issues, where he works closely with his clients Accountants and solicitors to implement appropriate strategies.
Nicholas is a Member of the Association of Financial Advisers (Australia) and regularly sits on insurance industry advisory committees evaluating new risk products and assessing service levels.
Mark Hoskin (National Sales Manager)
Diploma of Financial Planning, Diploma of Superannuation Management
Mark has over 20 years experience in the financial planning/insurance industry and operates out of the Central Coast office. Mark specialises in the management of business and personal risk relating to insurance contracts and their analysis. Mark is a member of the AFA, and manages the adviser team at AFRM.