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Meet the Team at Tempus Wealth

Inspiring our company, clients and community towards a better and smarter future.
Staff Member

Colin Ward

Principal

Staff Member

Louise Southwell

General Manager

Tim D'Astoli

Senior Adviser

Staff Member

James Bonamy

Senior Adviser

Staff Member

Todd Tudor-Stack

Senior Adviser

Staff Member

Kym Coleman

Adviser

Staff Member

Sam Drury

Mortgage Broker

Brad Querzoli

Brad Querzoli

Client Service Manager

Staff Member

Tarje Whitford

Client Service Manager

Staff Member

Hamilton McLaren

Client Service Manager

Staff Member

Ryan Woods

Client Service Manager

Staff Member

Donna Carratt

Office Manager

Staff Member

Ella Southwell

Client Service Coordinator

Staff Member

Michelle Munro

Receptionist

Staff Member

Caron Neal

Risk Specialist

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Tempus News & Community

Tempus Wealth Newsletters

February 24 October 23 August 23 July 23

Tempus Wealth Investment Updates

December 2023 Do Downturns Lead to Down Years?

Tempus Wealth Articles

2022/2023 Federal Budget Planning in your 40s Children and Money habits Five Financial Goals for the New Year The Mental Health Benefits of Exercise Why Insurance Matters When is The Best Time to Invest Critical Illness Insurance


Proud Supporters

Community and charity organisations provide wonderful opportunities for such a diverse range of people and we proudly support their efforts.

Undisputed Performance and Rehab

Tempus Wealth was pleased to support Project AMP, an event ran by James O’Leary, owner of Undisputed Performance and Rehab - Project Any Means Possible (AMP) involving a swim around Shark Island in Cronulla followed by a run at distances between 5-21km. The idea of the event is to promote the community into a better lifestyle and strive to achieve their goals.

Calvary Health Care Kogarah

Tempus Wealth & Warren Saunders Insurance Brokers had an amazing Trek in June 2023 supporting Calvary Health Care Kogarah, a cause very close to our hearts, an organisation that WSIB founder, the late Warren Saunders was a huge supporter of - Calvary Health Care Kogarah. Our teams took on one of the trek options of their choosing (28kms, 20kms, 13kms or 6km) and walked to raised $7,568 to help enable the hospital to purchase equipment and help them continue to enhance their provision of comfort and care for the benefit of their patients. Click here for the video.

BEYOND BLUE

Tempus Wealth & Warren Saunders Insurance Brokers had a great day taking on the Botany Bay Coastal Trek. We raised $5,700 on the day to support Beyond Blue and raise awareness about Mental Health. A big thank you to our many raffle prize sponsors. Click here for the video.

Every donation helps and makes a significant impact to mental health in Australia. Click here to donate.

AUSTRALIAN INSITUTE FOR INTEGERNATIONAL PRACTICE

We are proud members and supporters of this wonderful initiative click here for intro. A long term client of ours has been the initiator of the Intergenerational practice research program and has worked with other passionate health professionals to get it to bring it to life. The work and their mission is extraordinary and we look forward to watching the many benefits it strives to achieve in preventing Ageism and juvenile delinquency as well as just making people’s lives better…

MELANOMA INSTITUTE AUSTRALIA (MIA)

In May 2021 we hosted a charity event supporting MIA. Clients, industry and personal friends joined our Tempus Team in completing the Coastal Trek in the Royal National Park. We had over 60 participants and raised $7,485 that has gone straight to Melanoma Institute Australia. We have plans for bigger and better next year! Click here for the video.

GYMEA GORILLAS

The junior rugby league football club for Gymea is known as the “Gymea Gorillas“ and they entered their very first competition back in 1963. They remain a family orientated club who provide every player with the opportunity to play the great game of rugby league, no matter what their ability. It is about having a go.

THE ROYAL CHALLENGE

The objectives of the Royal Challenge are to raise money for Sydney Children’s Hospital Foundation and inspire people to invest in a healthy lifestyle. #CommunitySupport


Tempus Wealth Tipping

We will once again be hosting both 2024 NRL and AFL Tipping competition for our clients, staff, friends and family.

Entry is $25 per competition and the total pool will be awarded to the top three Tempus' Tipsters in each competition. Click here for more information on how to join.


Tempus Wealth Cocktails Suggestions

Click here to download Tempus Wealth Cocktail Suggestions.

Client Stories & Testimonials

Aaron’s Testimonial

From the start it gave a great feel. Initially we saw Tim DÁstoli for financial planning and he gave advice, from there we met with Sam Drury and she assisted us from the broker side, to purchase an investment property. Both gave us a good feeling with professional advice. Sam was then easy to contact making sure all went to plan.

10 out of 10

Luke's Story

Photo courtesy of John Veage for The St George and Sutherland Shire Leader.

I’ve always been an active person and keeping fit is not only a hobby it’s part of my job as a professional footballer. Like a lot of people you think serious illness won’t happen to you so when I received the news that I had cancer it was a huge mix of emotions. It’s like I still didn’t believe it and that’s really the way I dealt with it the whole way through.

My wife Sonia and mum Sharon were really knocked about by the news. Like any family member would, you think about the ‘what if’s’. I was out of action for a number of weeks and there were moments there where it did cross my mind ‘what if I can’t play again’ and ‘what will I do to earn an income’. Obviously my health was first and foremost but it was only natural to have concern for our future.

Back in 2001 when I first started playing grade footy, I made the decision to seek professional financial advice. I knew there was an end date to this career and I wanted to ensure the opportunity was maximised. As an 18 year old personal insurance was certainly not top of mind and I never thought I’d need to use it. It’s advice that I’m certainly glad I took.

James & Sue’s Story

Photo courtesy of Michael Petey, The Land Newspaper.

We’ve been farmers our whole life. After we built up and sold our first farm we moved to a much larger property – this meant taking on more debt and more work. The work side of things has never worried us as that is what we know however the finance side of things was something we felt should be looked at by someone who is in that game.

For us, seeing a financial planner was like tidying up loose ends. It brought everything under one umbrella and gave us a clear and achievable path forward and into retirement.

Our personal insurance has been put in place so that if either of us were to get injured and couldn’t work, the other could continue running the farm without any worry about money.

Our superannuation has been tidied up and put into a better fund so that we can achieve a comfortable retirement. We were also advised to refinance our loan with a much better interest rate, which we did. The process was handled by Tempus Wealth which made it easy for us.

We certainly have peace of mind now in regards to our financial future and really feel like we want to spread the word. We’ve just seen it as outsourcing our unnecessary worry.

Jamie's Story

Photo courtesy of John Veage for The St George and Sutherland Shire Leader.

Jamie was only 49 with a wife and two young children (the youngest being 5 days old), when he suffered a massive stroke. Previously fit and healthy, a non-smoker and with no family history of stroke, he never in his wildest dreams imagined it would happen to him.

He was attending a social gathering when all of a sudden he felt a strange sensation down his left side. Luckily for Jamie there were people in attendance that recognised what was happening to him. He was rushed to hospital, underwent surgery was swiftly put on an intensive rehabilitation program, which included re-learning how to walk and talk.

Fast forward to today and Jamie is back working and even completed the Sutherland to Surf charity fun run. Jamie largely attributes his amazing recovery to getting to hospital quickly and being able to afford, through his insurance, intensive rehab.

The Auswild Accounting Group

We have found that many of our clients require specialist advice in the areas of Buy/Sell, Keyperson and Income Protection insurance. Our long association with Tempus Wealth has enabled us to refer our valued clients with the confidence that they will receive tailored advice that is appropriate to their circumstances.

As clients ourselves we have benefited from their professional services and commitment to ongoing reviews. — Vince Choy

Client Feedback

"You’re a genius Antonia and thank you. I know we are not quite done yet but you have been amazing to deal with and I really appreciate your help and professionalism. You and the whole Tempus team have all been great."

Corey and Rebecca to Antonia Krkovski


"Thank you so much for all of your support and guidance Antonia. From our very first conversation a year ago you made everything so simple and easy to understand. This has been a very seamless process and I have no doubt it's because you have been doing a lot of work in the background for us"

Anna T and Brad M


"Thank you so much for all your help in getting my little investment up and going! Despite only being a little one in a big pond but big to me, you were an absolute gem and made me feel as it was the most important thing to you too! So friendly and professional all the way! Thank you also for taking such an interest in our little grandbaby! Such an amazing experience being a Nanny and it was wonderful for you to ask after him. I’m so happy with our new little house and it will be well loved and lived in for many years to come"

JC

Finance Calculators

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Borrowing and credit

Colin Ward

Principal

The best part about being a Financial Planner is developing relationships with my clients and working to grow that over time. Part of the financial planning process is solving problems - I believe there’s always a solution, no matter how complex the issue may be.

I like to look at the big picture, to understand where my clients are now and where they want to be in the future. For me, it’s about getting the job done and achieving the best outcome. Anything can be dressed up to look and sound good but you need to be able to back it up with results. It’s very rewarding to be able to provide my clients with the strategic vehicle which allows them to reach their goals.

Outside of work I’m kept busy with children’s sporting activities as well as keeping fit myself. I also enjoy dining out with great friends, and good wine.

Louise Southwell

General Manager

I get a lot of joy out of working with a team of great people who are passionate about what they do. What personally drives me is the challenge of ensuring our client experience with us is personal and professional. I believe what we do makes a big difference in people’s everyday lives. To witness a client's journey, from the moment they make contact with us to them reaching their goals, is hugely rewarding for me. I like making a positive difference in people’s lives, it genuinely makes me happy.

Outside of work, I am married and have three adult children whom I love to spend time with. Living in the Shire all my life, I love spending time outdoors, keeping fit and socialising with our wonderful friends. These are all very important to me and are a priority for ongoing health and happiness.

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Tim D'Astoli

Senior Adviser

I feel fortunate to work in a role where I can help people make informed choices that give clarity, direction, and peace of mind. My late father taught me how to trade shares as a teenager and I’ve had a keen interest in finance and investment ever since. In my years as an adviser, I’ve learnt that the right combination of empathy, investment expertise and sound technical knowledge enables an adviser to make a meaningful difference to the lives of clients.

I thrive on building relationships with people and helping them meet their short, medium and long term goals. Having the right roadmap in place can provide you with the financial confidence to both live the life you want and be well-positioned to deal with the unexpected.

When I’m not at work, my hands are full with a young family and I also enjoy running the nearby bush trails in the Royal National Park.

Daniel Zahra

Practice Manager

Whether it's applying for a loan, preparing for retirement or creating and protecting wealth, for some people navigating their financial situation can be a daunting task. I love working with a team of professionals who use their skills and expertise to assist clients by bringing clarity to their goals and develop strategies to help achieve them.

The financial planning environment is ever-changing so to be able to ensure that the Tempus Wealth team, business and processes are at the forefront of these changes is a very rewarding role.

James Bonamy

Senior Adviser

Being a financial adviser allows me to convert my passion for all things finance and economics into helping people live a better life.

Giving advice for over 20 years, also means I have seen it all. Not just how investments and strategies move and evolve, but how people feel and the impact of not only the good times, like great gains in shares and property markets, but tough times like the GFC. It means I know and see the rewards of solving problems, having solid strategies, and what leads to results. It is also why I know how important it is to keep my clients informed, have open discussions, and truly understand what money means to them.

My goal is to give you contentment on your financial life.

When I am not at work, it’s often time spent looking for ways to enjoy the sunshine with the family. We love the chance to get away for the weekend in the caravan.

Todd Tudor-Stack

Senior Adviser

After graduating from the University of the Sunshine Coast and having now spent almost 10 years in the Financial Advice industry working in the Sutherland Shire, I have continued to develop my knowledge and skills in all areas of Financial Advice.

Through my role at Tempus Wealth as a Senior Adviser, I take great pleasure in helping my wide range of clients from young wealth accumulators, pre-retirees, retirees and elderly Aged Care residents achieve their goals and reach financial freedom.

In my downtime enjoy getting outside and enjoying all the Sutherland Shire and surrounds have to offer, so if you see me don’t be afraid to say hi!

Stephen Giles

Compliance & Advice Team Manager

As a Shire resident with a young family and a career built around financial advice process and compliance, it was important for me to find a team that shares my values in providing financial advice aimed at achieving the best outcome for our clients. In my role as Compliance and Advice Team Manager, I see Tempus Wealth delivering on this every day. Coupled with a genuine desire to continuously learn and improve, I see Tempus Wealth as a trusted advice business for myself and my local community.

Outside of work, my wife Amanda and I are regularly seen chasing after our 2 children around the local parks, beaches and sports venues.

Kym Coleman

Adviser

Financial Planning to me is about maximising what you have to enjoy the life you want both now and into the future. I love showing clients how our strategies can help them live their best life, and then helping them refine the strategy as they progress through their lives. I really enjoy helping people and making a positive difference to their life.

Outside of work I love to travel to new places, and learn about other cultures/history and cuisines. Personally, I am married with 3 kids and 2 dogs.

Brad Querzoli

Client Service Manager

I am a Shire boy that has been involved in the financial advice industry for 3 years running. Financial advice has evolved from ‘occupation only’ to an absolute passion of mine. I feel accomplished in being part of a team that meets people from all walks of life, with different financial goals, and advising them to achieve these goals. In the short term, I look to learn as much as possible from the team at Tempus with hopes to one day become an Adviser.

Outside of work, you will find me out enjoying the beach, rowing surf boats at Wanda Surf Club or at the SCG cheering on the Swans.

Mara Elgammal

Client Service Manager

I have been in administration, banking and finance for well over 15 years and get great satisfaction from solving complex problems for clients and helping them achieve their objectives.

I enjoy being part of the Tempus Wealth team who are so clearly passionate about making a positive difference in people’s lives.

Outside of Tempus Wealth, I enjoy travelling, tennis and spending time with family.

Donna Carratt

Office Manager

I’ve spent most of my working life in a professional office, and I am happy to say that I’m still learning every day. I love that Tempus Wealth is a forward-thinking practice that is team focused and has the success of our clients at its core. I strive to do my job to the best of my ability and ensure every client receives the highest standard of service.

On the weekends I can be found chasing my beautiful grandsons around sporting fields or the beach.

Kathy Van de Straat

Client Service Manager

I have spent most of my adult life working in the Financial Planning Industry from Marketing through to my new role in Customer Service.

I look forward to working with the Tempus Wealth team and clients. I believe it is a privilege to find solutions and opportunities for our clients’ financial planning programmes and will do my best to deliver the highest quality of service.

Outside of Tempus Wealth, my other passion is my family. I love weekly family dinner night with my husband, four boys and their partners and when I have down time –travelling, reading, walking and dinner in good restaurants.

Ella Southwell

Client Service Coordinator

I had just completed my HSC when I joined Tempus Wealth, with no clue on how I wanted to begin my journey into adulthood. At first I wasn’t sure it would be for me, though after seeing how much thought goes into every aspect of our services and how much care all of the team puts in, I knew Tempus was the place for me.

I am passionate about putting effort in and seeing someone benefit from it. Working at Tempus Wealth and seeing clients walk out the door with a smile on their face gives me the best satisfaction that I could have.

Michelle Munro

Receptionist

After a career based in the HR/Recruitment industry, it was time for a new challenge and joining the team at Tempus Wealth has proven to be the right move for me. I thrive when working as part of a team and enjoy supporting those around me to provide exceptional service to our clients. I’m excited to learn all about the Financial Planning industry and how we can assist our clients to achieve their goals.

My “down time” sees me spending time with family and friends, enjoying weekends away, travelling overseas and creating memories for life.

Rhys Ward

Client Service Assistant

I am in a lucky position to be able to work in the financial planning industry whilst studying financial planning at the University of Wollongong. I enjoy learning from my experienced colleagues at Tempus Wealth and being a part of this amazing team. Being a part of the process to achieve a client’s goals is extremely rewarding for me as I continue to grow in my role. Away from the office I enjoy playing footy and keeping fit, along with travelling to see new places.

Sam Drury

Mortgage Broker

I have worked in the Mortgage Broking industry for over 20 years and have a wealth of knowledge across all aspects of the banking processes. I hold a Diploma in Finance and Mortgage Management. My passion is finding the best outcome for our clients in the smoothest way possible. With my years of experience, there’s not many structures I haven’t seen in the thousands of deals I have settled, I am extremely pleased to be a part of the team at Tempus. On a personal note, I keep myself busy with three teenagers and family.

Tarje Whitford

Client Service Manager

I am a recent graduate from the University of Wollongong joining the Team at Tempus Wealth. Growing up, I have always been good with numbers and solving complex skills, however what initially drew me to Financial Planning are the relationships that are ultimately created with clients. I enjoy the ability to be able to assist clients in finding financial comfort which allows them to live a happy and content life.

Outside of work, coming from the South Coast, I spend a lot of time around the beach and training for sports on the weekends.

Caron Neal – Risk Specialist

Hamilton McLaren

Client Service Manager

Originally from the “small” town of Wagga Wagga, I have always had a passion for everything finance. After completing an internship at an investment management firm, I decided to give the financial planning industry a go. This journey has brought me to Tempus Wealth, a firm that allows me to make a real difference in people’s lives. It is a privilege to work alongside a team of dedicated professionals who are not only experts in their fields but also genuinely care about their clients.

When I’m not at work, you will probably find me refining my stock portfolio or watching formula one.

Ryan Woods

Client Service Manager

I am a recent graduate from the University of Sydney joining the Tempus Wealth team. I was drawn to financial planning straight out of high school, starting a part time job in the industry while I was studying at University. From here I was set on training to become a financial adviser due to the nature of this rewarding industry where I can build strong, long-lasting relationships with clients and help them in their own financial journey. I have joined Tempus Wealth to continue to build my financial planning skills in a hard working and dedicated environment.

Cash Flow Management

Cash flow management is the backbone of a comprehensive financial plan. A sound cash management program will:

As part of our comprehensive review of your financial situation, we will prepare both a current balance sheet and your cash flow projections.

Strategy

A Cashflow Strategy helps you to achieve the following:

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Debt / Loan Management

Tempus Finance is our specialist loans division. Integrating with your personal strategy, Tempus Finance can help you secure exactly the right loan for your circumstances. We can help you:

Obtaining a loan through Tempus Finance does not end there, your loan is reviewed annually, with up-to-date property and area valuations, in addition to detailed loan market comparisons to ensure that you are getting the best rates and products available.

Debt Management

At Tempus Wealth, we distinguish between bad debt – simply spending tomorrow’s money today; and good debt – debt that builds wealth and improves your financial position. The sensible and strategic use of debt, and a refocusing from bad to good, is an essential part of our planning services.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Investment Advice

It is investments, not income that have the power to really build wealth for the long run. There are four key elements to our investment philosophy:

STRATEGY

Determine the best strategy for your needs, including timeframes, milestones and the optimal asset mix.

PLATFORM

Connecting the strategy with the most appropriate platform – from low-cost industry style funds to multi-functional wrap accounts

INVESTING

Purchasing quality investments which have been extensively researched by ourselves and the FSP Investment Committee

REVIEW

Regular reviews of your investments to keep up-to-date with global and local market conditions, and the continuing performance of your portfolio

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Tax Planning

Tempus Wealth will make tax planning an essential component of your overall strategy. Effective tax planning can legally minimise the amount of tax you pay, for example through:

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Superannuation

Superannuation is more than just a way to save for your retirement. At Tempus Wealth it is an essential pillar in a broader wealth creation strategy. Tempus Wealth can ensure that your superannuation is aligned with your lifestyle goals, whether it is helping to find lost super, assist with selecting the right structure or advising on asset allocation or investment choice. We can also ensure that your super is integrated with your tax planning. Super may be eligible for the following tax benefits:

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Personal Insurance

We insure important possessions, like our houses, because their loss could be financially devastating. But what if something happened to you? If you were in an accident or suffered serious illness and couldn’t work, how would you and your family afford your medical bills? How would you cover your mortgage and daily expenses? Personal insurance is about protecting your most important asset – you. Talk to Tempus Wealth about an insurance strategy that works for you.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Retirement Planning

What age do you want to be when you retire?

What type of lifestyle do you want to lead?

These two important questions are the first steps in planning for your retirement. Many people live well into their 90s, so you need to make sure your retirement income will last the distance. The right advice is about making choices today that will support your future lifestyle. Tempus Wealth can help you take control of your finances and grow your retirement income.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Estate Planning

Estate Planning is about protecting your legacy – preparing a plan while you are still alive and well to protect your wealth, your wishes and the interests of your loved ones. While estate planning usually has a financial focus, it will also account for non-financial issues, such as:

Estate Planning requires legal authority, and Tempus Wealth has a number of associate contacts who can help in this regard. Tempus Wealth can facilitate the legal relationships necessary to ensure your estate plan remains aligned with your overall strategic financial plan.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Business and Group Insurance

Building & maintaining a business is hard work. The success and growth of your organisation can heavily depend on the knowledge, experience and initiative of one or more essential people as well as protecting your whole team. How would your organisation manage with the loss of a keyperson including a business partner, what would happen to the ongoing ownership of your business? What about your staff, having the ability to offer Group life, TPD and income protection is an employee benefit that enhances staff loyalty and retention as well as making you an employer of choice. Talk to one of our business insurance specialists to see how you can protect your business and your people..

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Aged Care

ACCREDITED AGED CARE PROFESSIONAL

Dealing with decisions on aged care can be overwhelming, but identifying the key issues and getting the right advice can help give you the clarity you need. Meeting with one of our aged care specialists, we will explain the costs involved throughout the whole process and provide you with full explanation of all available options, so that you can assess the value before you make any decisions. We are here to help you take a positive step toward your peace of mind for your loved ones.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Share Trading

Tempus is now able to offer Share Trading for those that don’t have the capacity to do so. You may be elderly and require assistance to sell down your shares or you may have inherited some shares that you wish to dispose of, or you just have shares that you need to trade. Tempus can assist!

Our fees for a hassle free / streamlined service fees are:

Our process:

To enquire about our services, please complete the form below and we will be in contact within 24 hours.

Useful Links

Tax Resources

Financial Videos

Tempus Wealth Budget Planner

Download

General Calculators

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.