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Rural Financial Counselling Service NSW

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Wagga Wagga, NSW
Rural Financial Counselling Service NSW

RFCS NSW offers free, confidential and independent support to farmers experiencing or in danger of experiencing financial hardship.

If you are located in Southern or Central NSW, we are here to help. We’re here to help you work towards the future – whether it’s ongoing drought, poor production, declining markets or anything else affecting your business. Our Counsellors can identify options and work with you to achieve your goals.

03/11/2026

Grain harvest underway, cherries and stone fruit next, along with spring shearing and weaner sales… there’s plenty going on. And when you’re flat out, it’s easy to put yourself last.

But how you’re travelling has a direct effect on how your business performs. Here are a few practical steps to help you stay steady through the busy weeks ahead:
🔹 Check in with yourself. Are you clear and focused, or stretched and overwhelmed? You can’t change what you don’t notice.
🔹 Notice what keeps you steady, and make time for it.
🔹 Pause before you react. After a stressful moment, ask: “What could I learn from this?”
🔹 Ask for help, and offer it. Helping others boosts your own wellbeing too.
🔹 Benchmark against yourself, not the neighbours.

These insights come from our RFCs at recent Farming Stronger workshops - get more tips here: https://rfcsnsw.org.au/news/your-farm-runs-on-you-so-whos-looking-after-the-operator

02/11/2026

Bank review coming up? Thinking about succession? Want a clearer picture of where the business is heading?

Our Unlocking Success booklet walks you through nine practical ways our rural financial counsellors support farmers. It covers business reviews, cash flow budgeting, bank prep, succession planning, farm debt mediation, risk management and accessing government assistance.

It’s short enough to read leaning on the tractor, and you’ll get something useful out of it.

Download it at https://rfcsnsw.org.au/primary-producer or grab a copy from a counsellor at our next event.

Free, confidential and independent - 1800 319 458.

30/10/2026

Now that Banjo’s retired from sheep work, he’s got plenty of time to catch up on the news 🐕📰

He’s already stuck into our October newsletter, which covers:
💛 Wellbeing tips for busy season, from our Farming Stronger workshops
🍇 How a Tumbarumba w**e pioneer is replanting after a record dry
🚜 Our team at field days and community events across NSW
📱 Agtech that means less driving and more doing
🌦️ Spring seasonal update, plus grants and events coming up

Read it now on our website 👉 www.rfcsnsw.org.au/news
Don’t let Banjo be the only one in the know. Subscribe to get it straight to your inbox 👉 www.rfcsnsw.org.au

29/10/2026

How much time goes into checking soil moisture or driving out to open and close irrigation bays? 💧

At a recent Primary Industries and Regional Development agtech day in Yanco, our rural financial counsellors Leanne Bode and Justin Luckel watched the tech that can take some of that off your plate.

Sentek showed how its soil moisture probes are installed and set up, and Padman showed how its solar-powered irrigation automation can save trips out to the paddock. Our counsellors get along to events like this to keep up with what’s new and pass it on to the farmers they work with.

NSW DPIRD’s free agtech training program is a good place to start 👉 https://www.agtech.dpird.nsw.gov.au/pages/agtech-training-program

Thinking about agtech for your place? Have a chat with your local rural financial counsellor about how it fits your budget and business goals. We’re free, confidential and independent. 📞1800 319 458 | 🌐rfcsnsw.org.au

28/10/2026

Ever wondered how your farm business is really tracking from year to year? 🐑🐄

Local Land Services is looking for livestock producers to join the Farm Business Monitor Project. Participants will receive a confidential, individualised report comparing their production and economic performance over time. It’s useful for planning ahead, backing decisions on farm, and supporting a loan application.

You’ll need your financial year figures on hand: income and costs, livestock and cropping details, and assets and liabilities. Register your interest 👉https://regionalnsw.qualtrics.com/jfe/form/SV_0HC4arQAv2VnAMu.

📞 Questions? Contact Ross Kuchel, LLS Senior Ag Advisor [email protected]

26/10/2026

Thinking about getting your start on the land, or handing the reins to the next generation? This Wednesday’s RIC webinar could be well worth your time.

The focus is the AgriStarter Loan - what it is, who’s eligible, and whether it could be the right fit for you. It’s designed for aspiring and first-generation farmers, families working through succession, and the advisers and industry reps who support them.

RIC Agri Lending Specialists and Rural Financial Counsellors will run the session and answer frequently asked questions.

If you’re in any of these camps, we’d really encourage you to jump on. Even if you’re not ready to apply, it’s a great chance to get your head around the options early.
And if you’d like to talk through what it might mean for your own situation afterwards, our rural financial counsellors are here to help, free and confidential.

Can’t make it live? Register anyway and RIC will send you the recording 👉 https://bit.ly/4wCd2GW

23/10/2026

A few snaps from our team at the Australian National Field Days. 📸

A big thank you to everyone who has swung by the Trevor Elliot Pavilion for a chat. Our team has also been out and about around the grounds, catching up with clients, stakeholders and even a few locals of the four-legged kind. 🐾

If you haven’t had the chance to stop by, or you’ve been mulling something over, our rural financial counsellors are only a phone call away. From business planning and budgeting to bank reviews, loans, government assistance and more, we can work through it with you.

Our service is free, confidential and independent. 📞1800 319 458 | www.rfcsnsw.org.au

22/10/2026

What a first day at the Australian National Field Days!

Our team has been out catching up with farmers, industry and partners. Our rural financial counsellor Danielle caught up with Ben Watts, owner of Bralca and Molong farmer, to ask what keeps him coming back to the ANFD. Thanks for stopping by, Ben!

We’re in the Trevor Elliot Pavilion - swing by tomorrow to say g’day and have a chat about how our free, confidential and independent service can help you and your farm business.

See you then!

22/10/2026

When you’re making decisions day in, day out, it’s easy to lose track of how you’re holding up yourself. That was a big focus at the recent Farming Stronger workshops in Braidwood, Bega and Cooma, which our rural financial counsellors attended alongside local farmers.

Facilitator Cynthia Mahoney described a “performance ladder” - clear and focused at the top, stressed and overwhelmed near the bottom. We all move up and down it. Checking in on where you’re sitting, and going easy on yourself on the harder days, leads to better decisions.

The same goes for the business - benchmark against your own farm over time, not the industry’s top performers.
🌾 Every farm has a different mix of people, land and finances
📈 Tracking your own progress gives a truer picture, and real motivation
⚖️ Industry benchmarks still have their place, but your business comes first

Need help with farm business planning or the decisions ahead? Our rural financial counsellors are free, confidential and independent 👉1800 319 458 | rfcsnsw.org.au

The Farm Business Resilience Program is also taking EOIs for one-on-one coaching tailored to your farm business: https://www.nsw.gov.au/regional-and-primary-industries/drought/business-support/business-coaching

22/10/2026

Since 31 August, the Native Vegetation Regulatory Map has applied to farmland across rural NSW, and many landholders are only now working out what it means for their own place. 🌿

There are some new requirements to get across, and plenty of questions about how the rules apply on individual properties. NSW Farmers is running two information sessions in our patch to help landholders get some clarity:

📍 Yass Soldiers Club — Monday 26 October, 6:30–7:30pm
📍 Cootamundra Ex-Services Club — Thursday 29 October, 6:30–7:30pm

Head along to:
✅ Hear the latest updates on what compliance looks like
✅ Understand what the map could mean for your land
✅ Ask your questions and have your say

Find out more about the changes 👉 https://www.environment.nsw.gov.au/topics/animals-and-plants/biodiversity/native-vegetation-regulatory-map

Our rural financial counsellors will be going along to both sessions to learn more about the changes too. If these changes have you rethinking plans for your farm business, come and have a chat, or reach out 1800 319 458 | rfcsnsw.org.au

Address

256 Kincaid Street
Wagga Wagga, NSW
2650

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.rfcsnsw.org.au/

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