Meet the Team

Our Philosophy

​​“Our Mission is to be the premier financial planning and accounting firm in North Queensland by providing the highest quality financial advice and service”.

Financial Planner Team

Craig Armstrong – Director

Craig is one of the two Directors of the Coral Coast Group of companies. He started the business with Mark De Gregorio in December of 2001. Craig is a Certified Financial Planner, holds a Diploma of Financial Planning, Diploma of Business and is a Commissioner for Declarations.

Outside of work, Craig is involved with several community organisations, family activities and is a keen fisherman.

Mark De Gregorio – Director

Mark started his life straight out of university working for a local accounting firm that also provided financial planning advice. Mark continued working in financial planning and he and Craig joined forces in 2001 to start up Coral Coast Financial Planning. Mark was instrumental in the creation and running of Coral Coast Accounting. He is a Certified Financial Planner, a Fellow of the Institute of Public Accountants. Mark holds a Degree in Commerce, a Diploma in Financial Planning.

Mark is also a keen fisherman and family man.

Sebastian Cavallaro – Partner and Financial Adviser

Sebastian has been a member of the Coral Coast Financial Services team since July 2004 and holds a Master of Financial Planning. Sebastian became a shareholder in the Coral Coast Group in 2024. Sebastian is active in the Innisfail community, a dedicated family man and is an occasional fisher man.

Nicolas Basham – Senior Financial Adviser

A CFP professional with 26 years advice industry experience, Nic enjoys a trusted advice relationship with his clients. Nic sees his role as breaking down the complexities of life and money to empower his clients to make informed decisions.

When not in the office, Nic likes to spend time with family, friends and motorcycling.

Joel Cipriano – Financial Adviser

Joel joined the Coral Coast Financial Planning team in November 2017, bringing 9 years’ experience across the banking and finance sector. He holds a Diploma of Commerce, a Diploma in Audio Engineering, and a Graduate Diploma of Financial Planning. Joel is committed to helping clients make confident, informed financial decisions and values building long‑term relationships based on trust and clarity.

Outside of work, Joel maintains a busy and fulfilling family life with his wife and two young children and enjoys spending time with them whenever he can.

Rebecca Dolan – Senior Financial Adviser

Rebecca is a Senior Adviser in our team and joined the practice in 2013.

At University, she completed the Bachelor of Business (Economics) and following this, a Master of Financial Planning and has 12 years of financial planning experience.

Rebecca enjoys meeting a diverse range of clients and hearing their life experiences and stories. In her spare time, Rebecca loves to cook for her family and friends.

Emika Harman – Financial Adviser

Emika joined the Coral Coast Financial Planning team in July 2021 and brings with her six years of experience in the banking and finance sector. She holds an Advanced Diploma in Financial Services and has recently completed a Post Graduate Diploma in Financial Planning while working towards completing her Masters Degree. Emika is passionate about building strong relationships and supporting clients in achieving their financial goals.

Outside of work, she enjoys spending quality time at home with her husband, travelling, and has an appreciation for fine food and wine.

Sharon Hoey – Senior Financial Adviser

Previously working in the general insurance broking industry, Sharon joined the Coral Coast team in March 2007.  She holds a Master of Financial Planning and is a valued Senior Adviser of our team. Sharon is passionate about showing her clients how they can reach their goals, regardless of how big or small.

When not in the office, Sharon loves getting outdoors and mountain biking.

Rachel Lyons – Financial Adviser

Rachel commenced her financial planning journey in 2019 and brings over 11 years of experience in banking and finance. She holds a Diploma of Financial Planning, a Postgraduate Diploma in Financial Planning, and a range of other business-related qualifications. Rachel has also successfully passed the Financial Adviser Exam and is currently completing a Master’s degree in Financial Planning.

She finds great fulfilment in guiding people through every stage of life—from saving for a home, to building wealth, to retiring comfortably, and leaving a meaningful legacy. Rachel is passionate about helping people achieve their financial goals, whatever they may be.

Outside of work, Rachel is actively involved with local sporting clubs, enjoys spending time with her family, and loves the great outdoors.

Client Services Team

Ian Lane – General Manager

With 36 years’ experience in the industry, Ian Lane holds an MBA (Marketing), DipFinServ (FP), Cert IV FinSer (Mortgage Broking), Responsible Manager Courses Kaplan and is a Commissioner for Declarations Officer.

Teresa Caltabiano – Client Manager

Teresa joined us in February 2025, bringing with her 13 years of banking experience and a further five years in a financial planning firm before joining Coral Coast. With a deep wealth of knowledge and a genuine passion for helping clients, Teresa loves making the financial journey clearer and more rewarding.

When she’s not at work, you’ll likely find Teresa soaking up the great outdoors. After travelling around Australia in her caravan, her next big adventure is settling into her new home in 2026 — a chapter she’s very much looking forward to.

Carly Camilleri – Senior Client Manager

Carly has 20 years’ experience in the financial planning industry – majority of which, with Coral Coast Financial Planning. During this time, she has gained her Advanced Diploma of Financial Services (Financial Planning) and Cert II in Business Administration and is also a Commissioner for Declarations Carly revels in the implementation of advice strategies and laying the groundwork to making financial dreams a reality.  

She most enjoys time spent with her son, going to the beach, exploring new walking tracks and swimming holes.

Khaleb Canton – Paraplanner and Compliance assistant

Khaleb joined Coral Coast in May 2022, as an administrative assistant. He has progressed to assisting with advice document preparation and assisting with compliance monitoring. Khaleb is currently studying a Business Degree.

Kristy de Koff – Client Manager

Kristy started her financial planning journey with the Coral Coast Financial Planning team in June 2022. She has embraced her new profession using the skills acquired when completing her Bachelor of Business (Accounting) and Master of Professional Accounting.

In her spare time, Kristy spends her time at Motocross taking photos of her boy and the rest of the riders, getting dusty, muddy, rained on or sunburnt – she comes home just as dirty as the kids who’ve been riding!

Alex Ducrot – Associate

Alex has over 10 years’ experience in the financial planning industry. Alex began her career in customer support roles across several financial planning firms in Cairns before joining Coral Coast Financial Planning in 2021 as a Paraplanner.

Since then, Alex has discovered her passion working as an associate to Mark De Gregorio; working across both Cairns and Innisfail offices.

Alex holds a Certificate III in Business Administration and a Graduate Diploma of Financial Planning (2025), and is currently completing a Master’s degree in Financial Planning. In her role as an associate, Alex enjoys building strong client relationships and supporting clients in achieving their financial goals.

Outside of work, she loves catching up for coffee, spending time with family and friends, and relaxing with her fur baby, Leo.

Ailin Napiorkowski – Associate 

Ailin has over eight years’ experience as a refrigeration technician prior to transitioning into financial planning with Coral Coast Advice.He has completed his Diploma of Financial Planning and holds Justice of the Peace (Qualified) status. Ailin is currently working toward appointment as a Financial Advisor within the firm.

Outside of work, Ailin enjoys spearfishing, family and renovations.

Sandra Locastro – Senior Paraplanner

After working in the banking industry for 15 years, Sandra moved across to Coral Coast Financial planning in October 2021. With a Bachelor of Business – Management and Accounting, Sandra enjoys being able to use all her knowledge bases to enrich the retirement of others. She believes it is the little things that she can do now that make a difference for her clients in the long term.

Away from work Sandra spends time with her family, exercising and doing anything outdoors.

Remy Niven – Client Manager

After working in the banking industry for 4 years, Remy joined Coral Coast in July 2025. Remy enjoys learning new skills and helping clients in any way she can.

In her spare time, she loves reading, baking, or spending time with her two miniature dachshunds.

Naomi Taylor – Senior Paraplanner

Naomi joined Coral Coast in 2023 and brings many years of experience in the financial planning industry. She holds a Diploma of Financial Planning and is driven to help clients feel confident and informed about their financial future. Known for her approachable manner and solution-focused approach, Naomi enjoys working through complex financial matters and building trusted, long-term relationships with both existing and new clients.

Outside of work, she is a busy mum of five and loves spending time outdoors with her family, exploring the creeks and swimming holes around Cairns.

Joanne Wallace – Administration/Reception

Jo commenced with Coral Coast Financial Services in September 2025 at our Reception Desk in Cairns. Jo takes pride in greeting and welcoming clients, building positive rapports with all clients. With over 8 years’ experience in administration and customer service, Jo prides herself in her interactions with clients and ensuring they feel welcome.

Outside of the office Jo enjoys spending time with her family, going on adventures exploring new walking tracks/waterfalls and dancing.

Accounting Team

Mark De Gregorio – Director

Mark is a Director of Coral Coast Accounting, has been an accountant for over 20 years, is a Fellow of The Institute of Public Accountants and is a Tax Practitioner. Mark provides a wealth of experience and advice in his role as head of Coral Coast Accounting.

Craig de Courcey – Accounting Practice Manager

Craig started with Coral Coast in August 2025 and is a Chartered Accountant with over 17 years’ of experience in public practice.  He has provided business and tax advice across a wide range of industries, including agriculture, retail, personal services and building & construction.  Craig is also experienced in Self-Managed Superannuation administration.

Away from the office, Craig enjoys spending time with his beagle and travelling the world!

Zoya Aspley – Senior Tax Accountant

As a qualified accountant, Zoya joined our team in September 2020. She has 5 years’ experience in tax auditing and an additional 6 years as a tax accountant. With two bachelor’s degrees: in Economics-Management and Commerce (Major in Accounting), Zoya loves the interactions with her clients and explaining complex taxation matters in simple to understand language.  Currently Zoya is undertaking postgraduate studies in Taxation through the Tax Institute of Australia to deepen her knowledge in the complex area of Australian tax law.

Non-professionally, Zoya enjoys photography, travelling, yoga and body balance gym classes.

Suzanne Crothers – Senior Bookkeeper

Suzanne has 20 years’ experience as a bookkeeper and has been with Coral Coast since 2012. Suzanne works tirelessly with client’s to make sure they have everything in order. Suzanne is also responsible for maintaining the accounts for the Coral coast Group of companies.

Kerry Dawson – Senior Accountant

Kerry joined Coral Coast in 2021. She has 22 years’ experience as a Senior Accountant and holds a Bachelor of Accounting. 

Corey De Gregorio – Self Managed Super Funds Administration

Corey is carrying on the family tradition, he is studying a Bachelor of Commerce on his way to becoming an accountant. At Coral Coast he assists with the administration of Self-Managed Super funds and assists the accounting team in general.

Annabelle De Guire – Senior Bookkeeper

Annabelle has 15 years’ experience and holds a Certificate IV in Accounting, Certificate IV in Business and a B. Com Concordia University.