Our Team

Meet the team dedicated to giving you clarity, confidence, and control over your financial future.

 

Sunshine Coast Team

Paul Bugno
Paul Bugno Financial Planner & Partner
I am passionate about guiding clients to success while enjoying life on the Sunshine Coast with my family.
Sarah Macek
Sarah Macek Financial Planning Associate
I find joy in helping clients achieve their financial goals while making memories with my husband and two young daughters.
Tony Massingham
Tony Massingham Financial Planning Associate
I am dedicated to helping our clients with expert financial guidance and advice.
Farrell Tanuco
Farrell Tanuco Client Services (Offshore Team)
With five years of customer service experience, I’m committed to client satisfaction while cherishing time with my family and discovering new adventures.

Sandgate Team

Josh Dalton
Josh Dalton Certified Financial Planner & Director
I established Dalton FP in 2012 to merge my love for finance with building meaningful client relationships.
Luis Arguello
Luis Arguello Financial Planner
With nearly a decade of experience, I guide clients through financial challenges with confidence and expertise.
Mary Ann Almasan
Mary Ann Almasan Financial Planner
After five years at Dalton FP, I find fulfillment as a financial planner, learning valuable insights from working with diverse clients.
Denyse Wong
Denyse Wong Financial Planning Associate
I find joy in helping clients reach their lifelong goals through our tailored strategies.
Sarah Mazzaglia
Sarah Mazzaglia Financial Planning Associate
Leveraging over 10 years of financial planning experience to help clients achieve their goals.

Sally Foster
Sally Foster Client Services Manager
As the Client Services Manager at Dalton FP, I specialise in streamlining operations and optimising efficiency.
Jasmine Mortimer
Jasmine Mortimer Client Services & Marketing Manager
I find it most fulfilling to connect with diverse individuals and make a positive impact on their day.
Bronwyn Cooper
Bronwyn Cooper Client Services
With over 13 years of experience, I am dedicated to strengthening client relationships and enhancing their experience with Dalton FP.
Madonna Williamson
Madonna Williamson Client Services & Administration
I warmly welcome clients and leverage my five years of experience to support them in achieving their goals.
Michelle Santa Maria
Michelle Santa Maria Client Services (Offshore Team)
With over five years of experience in customer service and sales, I focus on building strong, lasting client relationships.

Dalton Finance

Shane Cook
Shane Cook Dalton Finance Loan Manager
With 20 years of finance experience, I help clients secure the right home loan while enjoying family time and sports.
Kylie Phillips
Kylie Phillips Lending Consultant
With over 25 years of finance experience, I provide efficient home loan services while cherishing time with my family.
FAQ

Frequently asked questions.

Yes, everyone needs financial planning, regardless of income or net worth. Financial planning involves setting goals for your future and creating a plan to achieve them. This process helps you prioritize spending, increase savings, manage debt, diversify, avoid costly mistakes, and plan for the future.

Without a proper financial plan, it’s easy to become overwhelmed by debt, miss opportunities to save for your future, or fail to properly protect your assets.

Financial planning is the process of setting and achieving your financial goals by creating a roadmap for managing your financial resources. It involves assessing your current financial situation, identifying your goals, creating a plan, executing the plan and monitoring its progress. The financial planning process typically includes creating a budget, managing debt, investing, retirement planning, and managing risks by obtaining insurance coverage.

Financial planning helps individuals and families plan for their futures and achieve their financial goals. It provides a holistic approach to managing your money to ensure that you have sufficient funds to meet your present and future financial objectives. A financial planner can help you navigate the complexities of financial planning and provide expert advice on investment strategies, tax planning, estate planning, and risk management.

Our company specializes in providing financial services to individuals with high income levels and those who have little or no debt. We assist in maximizing the utility of their income surplus to ensure they meet their financial goals. Additionally, we cater to clients planning for retirement and those with complex financial situations.

We help clients invest large sums of money while reducing tax and building wealth. Our services are tailored to each client's unique needs and objectives. Our aim is to help clients achieve financial freedom and secure their future. Our team of professionals is dedicated to providing sound financial advice and guidance to ensure our clients make informed decisions.

Dalton FP charges a fixed fee* for our services which covers all interactions, advice, strategy, meetings, documentation, and implementation during the service period. This fee is based on factors such as the complexity of your situation, the areas of advice and the expertise required.

Our typical service engagement is 12 months, but we may offer shorter engagements for clients with simpler situations that do not require ongoing advice. Fees are normally collected via a combination of upfront payment and monthly direct debit. The proportion of fees allocated to superannuation advice can be charged to your super fund in most cases.

*In regard to life & disability insurance strategies, our preference is to charge you a combination of a fixed fee (included in your annual fee) and product commissions to cover the cost of this advice and implementation. However, clients can elect to have commissions removed and pay a higher fixed fee instead.

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