Jay Manley Managing Director & Certified Financial Planner Experience Having commenced in the Financial Services Industry in 1987, Jay has gained considerable experience in providing quality financial advice to individuals and companies. Qualifications Jay’s qualifications include a Diploma of Financial Planning and in 1999, he achieved Certified Financial Planner (CFP) status from the Financial Planning Association of Australia, which is recognised by the industry as the highest level of qualification. Denise Oldfield Paraplanner and Client Services Officer Experience Denise has been employed at EBM since 2009. Denise came to us from the Commonwealth Bank where she was a Personal Lending/ Home Loan Specialist. Denise holds a Certificate IV and Diploma in Financial Planning. Beate Coughlin Client Services Officer Experience Beate has been at EBM since October 2012 and has been in the financial planning industry since 2004 which included HBF, Commonwealth Financial Planning and BankWest. Beate has extensive experience with the life insurance industry. Beate holds a Diploma in Financial Planning. Next Steps… If you would like to speak to one of the team, please feel free to contact us.