ABOUT rc&a |

Adrian Coles

Financial Planner & Accredited Mortgage Consultant

adrianAdrian is married to Melissa and has 3 young adult daughters. He has resided in the Canberra region for the majority of his life with a brief 5 year posting to Albury/Wodonga in the mid-90’s.

Professionally Adrian has been involved with Financial Services for the best part of 27 years. The first 14 of those was with the NAB covering many roles from junior clerical to branch management and financial planning. The latest 13 have been back in Canberra with rc&a.

Adrian was educated in Canberra, including Tertiary studies at University of Canberra where in 1993 he completed a Bachelor of Commerce in Accounting. Since then Adrian has completed a Diploma of Financial Planning and an Advanced Diploma of Mortgage Broking Management, along with the continuing professional development requirements of the FPA and MFAA.

Adrian’s mantra for work-life balance has always been that we should “work to live rather than live to work”. With that in mind the living aspect of Adrian’s life include enjoying the company of family and friends, playing golf and following a variety of sports, but especially cricket and AFL.


Rick Edwards

Certified Financial Planner

Rick“Rick has been a Financial Planner since 1987 and a Certified Financial Planner(CFP) since 1999.
Having lived in Canberra for the past 30 years , Rick has a comprehensive knowledge of both Public and Private Sector Superannuation funds.

He enjoys working closely with pre retirees to help them plan for and build a comfortable retirement.

Rick has had a extensive range of experience in other areas such as Risk Insurance, Investments Funds and Self Managed Super.

Outside of work Rick enjoys Golf and spending time with family and friends.



Melissa Coles

Client Service Manager

MelissaMelissa joined RC&A in August 2002 with a plethora of experience in Office and Customer Service Management.

As the rc&a Client Service Manager, Melissa is often the first point of contact clients will have with RC&A and will coordinate the client experience in a courteous and professional manner.

Melissa’s experience over the past 12 years within the financial planning business is a valuable resource for rc&a and it’s clients as she manages the connection between rc&a/clients/3rd party providers alike.

Melissa is passionate about providing great customer service and takes great pride in ensuring efficient and effective follow up.

why-rcandarc&a have been providing professional financial planning advice and solutions to clients since 1974. Adrian Coles and Rick Edwards are qualified professionals who can provide you with advice in a range of financial areas, whatever your current situation.

So, whether you are approaching retirement, buying your first home, changing careers, exploring investments or moving from two incomes to one, we can help.

rc&a are not only experienced and qualified; we are also passionate about helping you achieve your financial goals. While we specialise in wealth creation strategies, we can assist you with a range of financial planning needs, catering to all stages of life.

By taking the time to get to know our clients and what’s important to them rc&a is able to recommend appropriate strategies that will put you on the path to your financial future.

By using a 7 step approach we really get to know and understand our client’s long and short term goals and can offer them solid, relevant advice for their individual circumstances.

7-stepsno-1You complete a detailed questionnaire, providing all the information relevant to preparing personalised advice.

no-2Your planner meets with you for an in depth consultation in order to understand your current and future goals.

no-3Your planner helps you identify achievable goals and timeframes.

no-4Using the information you have provided your planner analyses your position and considers appropriate strategies.

no-5Once the strategies are complete, your planner then presents you with a detailed written plan, and ensures you are comfortable with each component before proceeding.

no-6Our client service team then implement the agreed plan, and guide you through the process every step of the way.

no-7Your planner will meet regularly with you to help you review your finances and objectives throughout any changes in your lifestyle, ensuring you stay on track to achieve your goals.

how-we-helpFinancial planning is not just limited to fine tuning your budget. Just as a personal trainer knows the most effective path to achieving peak fitness for your body, a financial planner knows the most effective path in shaping your finances to achieve the lifestyle you dream of.

Without the right advice you may not see the results you have been working so hard to achieve. By choosing to benefit from expert advice you are choosing to take control of your future and to make the most of all you have.

ABOUT rc&a |