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”.

  • Training: Ongoing staff training and education programs within the business.
  • Cost Reduction: Allowing the benefits from the development of effective cost reducing administration procedures, to flow to the clients.
  • Staffing: Fostering a culture of self worth and individual importance that encourages participation and input into problem solving.
  • Customer service: Building strong relationships with both internal and external customers. Valuing each customer’s needs as central to the business.

Management Team

Craig Armstrong – Director

With over 20 years experience, Craig is one of two Directors. He is a Certified Financial Planner and holds a Diploma of Financial Planning, Diploma of Business and is a Commissioner for Declarations.

Mark De Gregorio – Director

With over 20 years experience, Mark is one of two Directors. He is a Certified Financial Planner and holds a Degree in Commerce, a Diploma in Financial Planning and is a qualified accountant.

Ian Lane – General Manager

With 35 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.

Financial Advisory Team

Sebastian Cavallaro – Senior Financial Advisor

Sebastian has been a member of the Coral Coast Financial Services team since July 2004 and holds a Master of Financial Planning.

Sharon Hoey – Senior Financial Advisor

Previously working in the general insurance broking industry, Sharon joined the Coral Coast team in March 2007.  She holds a Masters 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.

Rebecca Dolan – Senior Financial Advisor

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 on from this, the Master of Financial Planning and has 10 years of financial planning experience.

Rebecca most enjoys the part of her role where she meets a diverse range of clients and hearing their own life experiences and stories. In her spare time, Rebecca loves to cook for her family and friends.

Financial Advisory Team

Claire Costa – Administration Manager Innisfail

Claire has over 35 years’ experience in Administration and joined CCFS in July 2012., having previously worked for a firm that was amalgamated into CCFS. Claire is a Commissioner for Declarations Officer.

Carly Camilleri – Senior CSO

Carly has 17 years experience in the financial planning industry – majority of which, with Coral Coast Financial Planning. During this time she as 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 and dog, going to the beach, and exploring new walking tracks and swimming holes.

Carmen Ward – CSO

Carmen joined Coral Coast in 2022. She has 7 years experience in the financial planning industry, holds a Diploma in Financial Planning and is study to gain a Bachelor of Business Financial Planning.

Cristy Connolly – CSO

Cristy Joined Coral Coast in 2016, she has a Certificate in Office Administration and over 19 years experience in administrative roles. 

Carolyn Casson – CSO

Having been a member of the Coral Coast Financial Planning team for over 7 years and in the industry for over 28 years, Carolyn shows a passion for providing clients with excellent service and ensuring procedures are in place to achieve that. With a Diploma of Financial Planning, Carolyn understands the value and peace of mind that a sound financial plan can provide.

Personally, Carolyn loves travelling, camping / caravanning, arts and crafts and spending time with family.

Sandra Locastro – CSO

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.

Emika Harman – CSO

Emika joined the Coral Coast team in July of 2021, with 6 years of banking and finance experience. Since commencing her employment with us, she has completed her Advanced Diploma in Financial Services. She has a love for meeting new people and helping them achieve their goals.

When at home, you will find Emika cooking up a beautiful meal to pair with her wine in hand.

Kristy Martin – CSO

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 Masters of Professional Accounting.

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

Paraplanning Team

Joel Cipriano – Paraplanner

Joel joined our Coral Coast Financial Planning team in November 2017, with 9 years of relevant experience in the banking and finance industry. Joel holds a

Diploma of Commerce, Diploma of Audio Engineering, and most importantly Diploma of Financial Planning. Joel has a passion for the technical side of financial planning such as strategy building and IT coding. As a distraction to his work life, Joel spends his time listening to music, and the arts such as Photography and Videography.

Rachel Lyons – Paraplanner

Rachel commenced her Coral Coast Financial Planning journey in 2019. She brings with her 11 years of banking and finance experience, a Diploma of Financial Planning and many other business-related qualifications. Rachel is currently studying Masters in Financial Planning which shows just how much she loves what she does.

In her spare time – when she has some – she enjoys fitness, spending time with her family  and the great outdoors.

Alex Ducrot – Paraplanner

After working as a customer support assistant at other financial planning firms over the course of 6 years, Alex has found her place as a paraplanner with Coral Coast Financial planning since 2021. Alex has a Cert III in Business Administration and is currently studying a Bachelor of Business – Majoring in Financial Planning & Accounting. Alex enjoys being able to learn new skills and financial strategies. She loves coffee with a passion and enjoys watching the footy, spending time with family and friends and her fur baby Leo.

Accounting Team

Kerry Dawson – Senior Accountant

Kerry joined Coral Coast in 2021. She has 21 years experience as a Senior Accountant and holds a Bachelor of Accounting. 

Daniel Zamperoni – Accountant

Daniel has recently completed his Chartered Accounting qualifications, holds a  Bachelor of Commerce and has over 5 years experience. 

Zoya Aspley – Accountant

As a qualified accountant, Zoya joined our team in Sep 2020. She has 5 years experience in tax auditing and an additional 5 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.  

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. 

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.

Donna Arthur – Administration / Reception

Donna commenced with Coral Coast Financial Planning in January 2022 as the friendly face at our Reception Desk in Cairns. Donna takes pride in greeting and welcoming clients, fostering relationships, and supporting them with administrative tasks. With over 17 years experience in administration, a Certificate III in Business Administration and currently completing Certificate IV in Accounting and Bookkeeping, she is a pro at the game.

Outside of the office Donna enjoys health and fitness activities, cooking, reading, and gardening.


Coral Coast Financial Services