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Prepare for tomorrow,
make the most of today.

Financial advice to help you manage, grow and protect your wealth.

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Advice that makes a difference.

A financial plan is about more than just money. It’s about freely living your life without worrying about your finances. It’s confidence and excitement about your future.
It’s leaving a legacy for the next generation.

At SGW Financial Services we help you navigate your financial life.

Stress less. Take Control. Plan Ahead.

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How we can help

At SGW Financial Services, our goal is to help you reach your potential, whether you are just getting started, building your wealth, preparing for retirement or enjoying life after work.

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GET STARTED AND SET YOUR FAMILY UP FOR SUCCESS
You want to buy your dream home, expand your family and grow your wealth.
build-wealth-help
BUILD WEALTH AND PURSUE YOUR GOALS
It’s time to pay down debt, protect your wealth and grow your assets.
enjoy-retirement
PREPARE FOR RETIREMENT AND BEYOND
You want to be confident that you will have enough money to enjoy life after work.
build-wealth-2
MAKE THE MOST OF RETIREMENT
You would like to leave a legacy for your kids and ensure you don’t run out of money.

We make the complex simple.

Your local financial partners

At SGW Financial Services we offer Financial Planning and Insurance Advice. We partner with you to explore your goals and develop strategies to guide you towards financial success.

SGW Financial Services have been providing dependable, innovative advice since 1968.

Our Business Vision as Financial Planners is to provide quality, inspiring advice in a professional and confidential manner to our clients.

Our goal is to be an integral part of our client’s ongoing financial wellbeing. We want to be perceived as honest, assertive, efficient, knowledgable and No.1 for Financial Planning advice.

SGW Financial Services is qualified to provide you with advice on:

  • Investments
  • Superannuation
  • Retirement Planning
  • Insurance
  • Wealth Management
  • Debt Management
  • Banking Solutions

Advice we specialise in

  • Retirement planning
  • Financial planning
  • Small business advice
  • Banking solutions
  • Investment planning
  • Superannuation
  • Estate planning
  • Wealth management
  • Debt management
  • Wealth protection
  • Company insurance

General advice we provide

  • Salary packaging

Kind words from our clients

“These guys are AWESOME, organised everything for us, homeloan, super, life insurance. All I had to do was take in the paper work and sign where needed. They took the hassle out of it all, now I’m sounding like a salesman… Seriously though, Rachael and Helen were lifesavers. Thanks guys”
TUMUT
“The office staff are very helpful. Raechel & Stephen are both very amicable and helpful with any queries.”
JUNEE
“The time in delivery of my plan was very fast and professional. The quality of the presentation was of a high standard and was easy to understand.”
WONDALGA
“We are happy with the personal service. Raechel has helped us choose a better plan for our work and farm.”
TUMBARUMBA
“SGW Financial Services look after and explain business to clients extremely well.”
SOUTH COAST
“Thanks to Stephen Wood i am now earning the same income in retirement as when i was working full time. And what’s even better is that i pay no tax on my income!”
ADELONG
“We cannot thank Raechel enough, she went over and above everything that was expected of her and made our dealings an absolute breeze! She explained all of our options and kept us informed the whole way.”
TUMUT
“SGW Financial Services attend to everything quickly and efficiently.”
ADELONG
“The service all round was outstanding.”
ADELONG
“We feel that SGW Financial Services really looks out for our interests.”
JUNEE
“SGW Financial Services have good product knowledge, good reputation, very accessible with a long term commitment to our area.”
TUMUT
“SGW Financial Services manage our finances personally and professionally.”
ADELONG

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Raechel Crutch

Principal

MFin Plan  GradDipFinPlan  JP

Raechel has been in the financial services industry since 2005 and joined SGW Financial Services in 2007. Raechel has been a Financial Planner since 2011 and in 2013 became a business partner of SGW  Financial Services before becoming sole owner in 2024.

Raechel has over 19 years of knowledgeable experience in this field. She is our expert for providing our valuable clients professional financial advice.

Raechel has accomplished an impressive number of qualifications over the years.

Qualifications

  • Diploma of Financial Services (Financial Planning)
  • Advanced Diploma of Financial Services (Financial Planning)
  • Certificate IV in Financial Services (Mortgage Broking)
  • Diploma of Financial Services (Mortgage Broking)
  • Self-Managed Superannuation Funds
  • Graduate Certificate for Financial Planning
  • Graduate Diploma of Financial Planning
  • Masters of Financial Planning
  • Completion of CFP 1,2,3,4
  • Justice of the Peace

Memberships and Associations

  • The Adviser Association
  • Association of Financial Advisers (AFA)
  • Financial Advice Association Australia (FAAA)
  • SMSF Professionals Association of Australia (SPAA)

Helen Rouse

New Business/ Client Services Manager

Helen has been a valued member of SGW Financial Services since May 2002.

Helen’s role includes looking after our new business lodgments, processing applications and implementations within the office as well as maintaining our ongoing compliance obligations. Helen also provides administration support including day to day administration and excellent customer service.

Helens exceptional attention to detail, dedication and high level of professionalism is a highly valued aspect of the business that is largely appreciated by our clients and staff.

Qualifications

  • Certificate IV in Business Administration
  • Certificate IV in Applied Business Studies
  • Certificate IV in Workplace Assessment and Training
  • Justice of the Peace

Lou Harris

Receptionist

Lou joined our team in August 2024 and is our new receptionist and face of SGW Financial Services.

Lou is exploring a new career pathway learning all things administration. You will find Lou at our front desk in our Tumut office, ready to meet and greet all our valued clients. Lou has great organization skills and ensures that a high level of service is provided to our clients.

Lou’s role includes greeting, welcoming and directing clients to who walk in the door. Lou maintains all telecommunications, scheduling of appointments, diary management and preparation of documentation for appointments.

Qualifications

  • Justice of the Peace

Katie Estillore

Client Services Officer

Katie is our Perceptive Client Services Officer who joined our Team in November 2024

Katie has a bachelor’s degree in secondary Education and has worked as an ESL Teacher before landing her current role in the financial planning industry.

Katie’s Passion lies in discovering new things, and she find great satisfaction in exploring literature, new places to visit, and learning new skills, walking in mountainous areas in another activity she loves, which recharges her energy and provides a calming presence away from city.

Her favorite book is “The Little Prince,” which inspires her in many ways and serves as a therapeutic experience. The book themes of childhood innocence, relationships, and self-importance resonate with her, and its meaning had evolved as she; grown from teenager to a young adult, she also mentions enjoying books by Michael “Faudet and lang Leav.

Katie strongly believes in the motto “play to your strength,” which is from the movie Harry Potter. This statement has motivated her to focus on her strengths rather than dwelling on her weakness. By doing so, she believes her potential can be honed, allowing her to conquer any challenges that come her way.

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Jenmae Lora

Client Services Officer

Jenmae is a Client Services Officer who joined the team in July 2026.

Jenmae describes herself as low-maintenance and caring, someone who is easy to get along with and genuinely looks out for the people around her. She holds a degree in Accounting Technology and has previous experience as a Financial Planning Assistant, bringing a solid foundation into her current role in the financial planning industry.

Outside of work, Jenmae enjoys a simple and creative lifestyle, making time for both self-expression and the people who matter most to her. She loves writing poetry to express her thoughts and feelings. She also has a long-standing love of dancing, something she’s carried since childhood. She now also aspires to be the best mom to her baby girl, which brings a new sense of purpose and joy to her everyday life.

Jenmae believes that change is the only constant in life. For her, it’s always worth embracing change, whether in people or environment, if it leads to growth. She’s willing to take risks when it supports her becoming a better version of herself and sees personal development as something to keep striving for.

Jane Brown

Head Accountant

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Lou Harris

Receptionist

Lou joined our team in August 2024 and is our new receptionist and face of SGW Financial Services.

Lou is exploring a new career pathway learning all things administration. You will find Lou at our front desk in our Tumut office, ready to meet and greet all our valued clients. Lou has great organization skills and ensures that a high level of service is provided to our clients.

Lou’s role includes greeting, welcoming and directing clients to who walk in the door. Lou maintains all telecommunications, scheduling of appointments, diary management and preparation of documentation for appointments.

Qualifications

  • Justice of the Peace