Our Team

Paul Oliver is the owner and CEO of Surf Financial.

Paul has over 30 years experience in Financial Services & Credit and has held senior management positions as well as consulted to major lenders in both Australia and New Zealand. Now seeking a more balanced lifestyle Paul is responsible for the management of both Surf Financial Residential Lending and Richmond Financial Planning.

In addition Paul provides direct and credit advice & mortgage services to his personal client base of local families on the Northern Beaches of Sydney.

Paul’s focus is on his clients success in buying and owning their homes or investment properties so they can enjoy the lifestyle they aspire to. Paul believes owning real estate is a long term strategy to achieving personal wealth. Paul gets as much satisfaction from seeing his clients buy their first home as he does from helping clients prosper over many years with successful investing . He advocates for the management of their finances in the most efficient and flexible way that is possible for each individual circumstance.

Paul is a local resident and often starts his day with a surf at Dee Why or North Curl Curl.

Geoff Madafiglio is the Senior Financial Planner at Richmond Financial Planning.

Geoff provides trusted financial advice to families, couples and individuals. He is a qualified and highly experienced wealth expert with a background in law, economics and finance.

Driven by a desire to help people achieve a better future for themselves, he helps people navigate the complexities of the modern financial world.

With a passion for all aspects of finance, Geoff specialises in the areas of investment advice, superannuation, self-managed superannuation funds, asset protection and retirement planning strategies.

Geoff has an Advanced Diploma of Financial Services and a Degree in Law and Economics.

Long Term Client Relationships

Geoff’s practice consists of many long term clients and he considers it a privilege to be counted as a trusted adviser in all matters relating to their financial goals and life milestones.

He takes a genuine interest in his clients and their achievement of successful financial outcomes, working one-on-one to bring them financial clarity, direction and organisation.

His personal, relationship based approach allows him to identify each person’s unique values and lifestyle to offer the most effective and suitable plans.

Contact Geoff today for a no obligation appointment to find out how he can help you achieve your financial goals and objectives.
Geoff Madafilgio is an Authorised Representative of AVALONfs Pty Ltd – AFSL #43751

Jason Pitkeathly has been a Property Investment & Mortgage Finance Specialist with us since 2011.

Jason has over 15 years lending experience as an accredited Mortgage Broker with the MFAA and over 30 years property investment experience.

Coaching clients from their very first home to devising strategies to create a more productive portfolio so the client can reach their goals is Jason’s passion.  A successful property investment strategy is far more than finding the house you like, sourcing the cheapest loan and paying it off over 30 years!  Successful property investment is to apply sound investment principles to well informed industry advice, education, market research and planning by a range of providers.

By focusing on the best financing investment property strategies this will enable you to make best use of your borrowing capacity and savings invested, and provides a better chance of you selecting quality investment properties in areas showing strong potential for capital growth and rental yield.Jason has seen the good, the bad, and the ugly of property investment and will help you develop a sound property investment strategy and show you the most effective, tax efficient finance structure for your individual situation, tailoring it to your cashflow requirements and helping you maximise your returns.

Away from his desk, Jason assists with around half a dozen cycle charity events per year as a cycle guide, coach and mechanic to ensure those that are supporting the charity can succeed in raising targeted funds, succeed in completing the event, and have the best experience possible.

He also loves to get away surfing and camping at every opportunity!