Phil co-founded Finance on the Coast after more than 20 years in the banking and finance industry. Throughout his career, he has observed that too many brokers focus solely on the "lowest rate" today, without considering the structural impact on a client's long-term wealth.

His approach is different. He treats mortgage brokerage as an architectural exercise—building a framework that supports growth, manages risk, and adapts to life’s changes. Whether navigating the complexities of commercial SMSF lending or simplifying a first-home purchase, Phil’s focus remains on clarity and strategy.