Rose Consulting & Financial Services

Rose Consulting & Financial Services RCFS is completely independent of all financiers, and we operate solely with our clients’ requirements in mind.
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RCFS is a full service brokerage and consultancy business which is passionate about helping business operators and individuals successfully manage their businesses and personal finances. Services provided by RCFS:

- Business Consulting including process improvement, business planning, profit &
loss, balance sheet and cash flow analysis
- Business Finance specialising in Asset Finance
- Bank

Applications, Annual Reviews and or Ongoing Relationship Management

RCFS is passionate about helping business operators successfully manage their businesses by helping them in ways which suit their needs. We are also happy to outsource and connect clients with different professionals and other businesses where those introductions can potentially benefit all parties involved. After 15 years in the Banking industry with NAB and CBA in both Business & Agri Markets, I decided to leave and change direction in 2021. Part of this change included working for a multi-faceted business in the South Burnett as their Financial Controller, whilst also running my own consulting and finance business and over the past few years, RCFS has been very fortunate and developed a strong client base throughout the Wide Bay, South & North Burnett Regions. RCFS is aimed at assisting small & medium business on various matters including financial matters, strategy, and planning and regularly works closely with accountants, financiers, and other key parties to ensure great outcomes. On top of this and in conjunction with the consulting side, RCFS has also been able to setup up a partnership with Smyth Financial. This relationship complements the consulting side of the business and allows our team to assist business clients with all their financing needs with specific focus on Asset Finance. Jason Smyth, the owner of Smyth Financial is highly regarded in the industry and was BOQ Broker of the Year in 2019 in the Equipment Specialist field. The other key members of his team are Corey Smith & Marcus Hunt who are both very well known, and former colleagues of mine from my CBA days. Corey Smith is very highly regarded with background in Mining Services, Construction and Retail Industries throughout the Central Queensland Region whilst Marcus Hunt has a strong background in Clubs, Pubs, Motels, and Professional Service markets.

WHEN WAS THE LAST TIME YOU CHECKED YOUR HOME LOAN?Your interest rate, repayments and financial goals may have changed-an...
09/09/2026

WHEN WAS THE LAST TIME YOU CHECKED YOUR HOME LOAN?

Your interest rate, repayments and financial goals may have changed-and your current loan might no longer be the right fit.

A home loan health check with Rose Consulting & Financial Services could help you:

✅ Review your current rate and loan structure
✅ Identify opportunities to reduce repayments
✅ Consolidate debt or access available equity
✅ Make sure your loan still supports your goals

A quick conversation could potentially save you thousands.

Contact the RCFS team today to book your home loan health check.

Credit criteria, fees and charges may apply.

Starting a business isn’t easy—and once the momentum builds, slowing down isn’t always an option.Our tip? Don’t wait unt...
06/09/2026

Starting a business isn’t easy—and once the momentum builds, slowing down isn’t always an option.

Our tip? Don’t wait until you urgently need finance to start thinking about your financial structure. By then, your options may be limited and the process far more stressful.

Talk to Rose Consulting & Financial Services about putting the right plan in place now—before the pressure is on.

05/09/2026

💙 HAPPY FATHER’S DAY 💙

Today, we celebrate all the dads, grandads, stepdads and father figures who guide, support and inspire their families every day.

From everyone at Rose Consulting & Financial Services, we wish you a wonderful Father’s Day filled with family, laughter and a well-earned chance to put your feet up.

We’re going to hold your hand while we tell you this… 🤝Holding onto ageing equipment to save money could actually be cos...
05/09/2026

We’re going to hold your hand while we tell you this… 🤝

Holding onto ageing equipment to save money could actually be costing your business more—in repairs, downtime and lost productivity.

Talk to Rose Consulting & Financial Services about whether upgrading your equipment makes financial sense for your business.

Cash reserves or finance—what’s the smarter move for your next business purchase?There’s no one-size-fits-all answer. Th...
03/09/2026

Cash reserves or finance—what’s the smarter move for your next business purchase?

There’s no one-size-fits-all answer. The right option depends on your cash flow, business goals and financial position.

Before you sign anything, speak with your accountant and the team at Rose Consulting & Financial Services to understand your options and make an informed decision.

If you work in agriculture, transport or logistics, you know peak periods don’t leave room for unreliable equipment.The ...
02/09/2026

If you work in agriculture, transport or logistics, you know peak periods don’t leave room for unreliable equipment.

The pressure is real—and the last thing your business needs is machinery letting you down when you need it most.

Plan ahead. Talk to Rose Consulting & Financial Services about your equipment finance options today.

YOU DON’T NEED MORE FINANCIAL NOISE.YOU NEED A PLAN THAT MAKES SENSE.Whether you’re purchasing commercial property, refi...
27/08/2026

YOU DON’T NEED MORE FINANCIAL NOISE.
YOU NEED A PLAN THAT MAKES SENSE.

Whether you’re purchasing commercial property, refinancing, investing, upgrading equipment or reviewing your broader financial position, every decision should connect to the bigger picture.

With more than 60 years of combined commercial finance and banking experience, the team at Rose Consulting & Financial Services helps clients simplify their strategy, understand their options and make informed decisions with confidence.

We work with business owners, professionals and individuals across regional Queensland-providing clear, local and personalised support.

Not sure where to begin?

Book a free Financial Health Check. You’ll walk away with greater clarity and practical next steps.

Visit www.rcfs.com.au

THE RIGHT ASSET CAN CHANGE THE DIRECTION OF YOUR BUSINESS.A new vehicle, piece of machinery or specialised equipment cou...
26/08/2026

THE RIGHT ASSET CAN CHANGE THE DIRECTION OF YOUR BUSINESS.

A new vehicle, piece of machinery or specialised equipment could help your business increase capacity, improve efficiency and take on bigger opportunities.

But the finance behind that purchase needs to work just as hard as the asset itself.

At Rose Consulting & Financial Services, we help business owners explore equipment and vehicle finance options structured around their budget, cash flow and future plans.

Because securing finance isn’t just about getting an approval-it’s about making sure the decision supports your business long after settlement.

Planning your next business purchase?

Let’s start with a conversation: www.rcfs.com.au

YOUR BUSINESS IS GROWING.BUT ARE YOUR FINANCES KEEPING UP?Growth can be exciting-but without the right structure, it can...
26/08/2026

YOUR BUSINESS IS GROWING.
BUT ARE YOUR FINANCES KEEPING UP?

Growth can be exciting-but without the right structure, it can also create pressure on cash flow, systems and decision-making.

At Rose Consulting & Financial Services, we help business owners gain a clearer picture of where they stand, where they want to go and the steps required to get there.

From budgeting and debt management to investment strategies and long-term planning, we provide practical financial consulting tailored to your business and your goals.

No generic advice. No quick fixes. Just a clear plan designed to help you move forward with confidence.

Ready to replace financial guesswork with real direction?
Book your free Financial Health Check: www.rcfs.com.au

FIVE MINUTES COULD SAVE YOU THOUSANDS.When was the last time you actually reviewed your finance?Your interest rate. Your...
23/08/2026

FIVE MINUTES COULD SAVE YOU THOUSANDS.

When was the last time you actually reviewed your finance?

Your interest rate. Your repayments. Your loan structure. Your options.

Whether it’s your home loan, business finance or asset finance, a quick conversation with the RCFS team could uncover opportunities you didn’t know were there.

Five minutes. One conversation. Potentially thousands saved.

Make the call. It could be well worth it.

Contact the team at Rose Consulting & Financial Services today.

Address

32 Crofton Street
Bundaberg, QLD
4670

Telephone

+61411637003

Website

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