Paul was the founder of the Provident Group in 1997 after joining the industry in 1987. Provident has grown to a business that now employs over 30 people offering financial planning advice to a large and diverse group of individuals and businesses with operations in Nedlands, Wangara, Bunbury and Broome.

Paul stands by the groups vision of ‘Plan, Help Achieve’ and believes this simple but powerful statement helps guide everyone at Provident towards the provision of advice and service targeted at the individuals’ identified goals and aspirations – in fact this is what most excites Paul in the delivery of advice, helping people achieve their own ‘Enjoy Factor’ moments. ‘Experiencing and celebrating clients achieving their desired outcomes is both uplifting and motivating for me and is my ‘why’ I do what I do’.

Whilst financial advice contains standard components, compliance details and is a technical discipline, Paul approaches his role from a personal perspective. He seeks to understand the client’s objectives and expectations of service before looking to present and articulate advice that is relevant to them and their individual situation. ‘Delivering outcomes to meet our clients expectations in a compliant and bespoke manner is what drives our team to achieve the very best for each and every Provident client’.

Paul’s specialty is in the retirement and investment advice areas and with over 35 years experience his knowledge and experience see him providing unique solutions in all facets of financial advice. Paul also has specialised expertise in key person, buy/sell programs and advanced wealth accumulation strategies including self-managed super funds and gearing strategies.

Paul also has had extensive involvement in industry and voluntary roles in the community and was awarded an Order of Australia in the general division (OAM) in 2022 for his service to the community. At a national conference in 2025 Paul was awarded an industry Lifetime Achievement Award.

In receiving these awards Paul stated ‘It has been a very humbling experience to be recognised with these awards especially when you look through the list of giants that share these special honours with me. I also recognise the many Australians who continue to serve their community selflessly on a voluntary basis not seeking recognition for their passion and involvement for the better of us all - I feel these awards are shared by all with whom I have had the privilege to walk alongside and represent during my journey.’

Paul Carter is a member of the Financial Planning Association of Australia, completed a Diploma of Financial Planning (Dip FP), a CERTIFIED FINANCIAL PLANNER® (CFP) and an authorised representative and credit representative of Akumin Pty Ltd.

Greg holds a Graduate Diploma in Financial Planning, a Diploma of Financial Markets and Financial Services, and is a fellow of FINSIA. Greg has been in the finance industry since 1991. Greg previously held the senior management position of Advice Coach for AMP Financial Planning, where he led a team of Advice Specialists in WA, SA and NT. This followed his time as the Retirement Advice Specialist in WA for AMP Financial Planning.

Greg specialises in the delivery of advice and strategies to individuals and businesses with complex financial needs including self-managed superannuation funds, wealth accumulation, retirement planning and risk protection. Greg has acquired technical skills of the highest order and is a regular source of knowledge for other advisers in accounting and legal fields.

Greg is passionate about improving a client’s financial well being whether they require simple debt advice or complex Self-Managed Super Funds and investment strategies for their retirement.

Greg Neill is a member of the Financial Planning Association of Australia, a CERTIFIED FINANCIAL PLANNER® and an authorised representative and credit representative of Akumin Pty Ltd

Simon started his career in the financial services industry at Provident in 2010 as part of the Client Services team while he was finishing his Bachelor of Business (Finance and Marketing). Simon was always determined to become a financial planner and he left Provident for several years to gain some very valuable experience with the large banks.

He has gained industry experience as a business development manager for CommInsure and then as a Financial Planner at ANZ. Along the way Simon has worked with some great mentors throughout the industry and has gained a deep understanding and passion for financial services and helping others achieve their goals.

Simon is excited to be back at Provident, where he feels he can truly help clients achieve their Enjoy Factor with complex strategies that provide better solutions to help achieve their individual needs and objectives.

Simon Carter is a member of the Financial Planning Association of Australia and an authorised representative and credit representative of Akumin Pty Ltd

Jack Started his career in Financial planning while studying in 2017 and immediately felt at home in applying finance to helping individuals and families.

After University, this lead to a position at Macquarie Wealth Management, allowing Jack to extract knowledge from a vast array of highly skilled Advisers.

Furthering Study at a postgraduate level, Jack worked through FASEA’s recent requirements in order to become one of the country’s first ‘new entrants’ to successfully become an Adviser.

Jack has now completed his Masters at University of New South Wales, Jack is looking to continually sharpen his knowledge and skills to provide the highest quality advice to clients.

Completing guest lectures at Curtin from which he so recently graduated, Jack is working hard to represent and nurture the next generation of the industry from which he believes the country as a whole can benefit.

Outside of work Jack enjoys an active lifestyle, live music & playing Football for Stirling Saints.

Jack Raymond is an authorised representative of Akumin Pty Ltd.

Chris began his career in Financial Planning after completing a Bachelor of Commerce degree in 2017. He gained important practical experience within the industry throughout various support and administrative roles while continuing with studies. Since then, Chris has further completed a Diploma of Financial Planning and is looking into commencing a Master of Financial Planning.

Chris understands the importance and value of financial advice, working together with Provident's Team of Finanical Planners to assist clients in achieving their financial goals. He greatly appreciates the postive impact that can be made through the advice process, ensuring that the client's best interests are always at the forefront.

Chris enjoys playing sports and spending time with friends and family.

Sean holds a Bachelor of Commerce in Finance and is currently completing his Graduate Diploma in Financial Planning.

At Provident Financial Services, he is committed to delivering straightforward, effective advice that helps clients gain clarity and control across all areas of their financial landscape. Outside of work, Sean enjoys surfing and playing golf.

Jeremy started his Financial Planning career after completing a Bachelor of Commerce degree in 2019. He gained important hands-on experience within the industry throughout several internship roles while also continuing with his studies.

He then ventured into the mining industry where he spent the next 5 years gaining invaluable real-world experience and as a result hopes to be able to utilise the transferable skills gained. He is looking forward to working with Provident's Team of Financial Planners to assist clients with achieving their Enjoy Factor.

Beyond this, Jeremy enjoys quality time with loved ones and a round of golf

Dylan is a recent graduate, having completed a Bachelor of Commerce majoring in Finance and Financial Planning. He has gained valuable insight and practical experience in the financial services industry through an internship at Provident, as well as previous roles in finance and administration.

Dylan cares about helping people and is eager to support clients in feeling more confident and in control of their financial future. He is excited to continue his professional development while working alongside the Provident team to deliver tailored financial solutions that meet clients' individual goals.

Outside of work, Dylan enjoys travelling, playing basketball, spending time with friends and family and staying active.

Nikki started her career in Financial Planning in 2002 in Victoria as a Client Services Officer and then progressing to Paraplanning. Some years later Nikki and her husband decided to take a big leap of faith and move from Victoria to WA with promising opportunities. She then joined Provident Financial Services in 2009 and has been with the team ever since. Nikki holds a Diploma and Advanced Diploma in Financial Planning and is nearing completion of her Post Graduate Diploma in Financial Planning with Deakin University.

Nikki is currently one of our Senior Paraplanners and Associates and enjoys delivering compliant Statements of Advice to clients to better meet their needs and objectives through comprehensive strategies.

Outside of Provident Nikki also has two children who keep her busy with their everyday needs and they bring her the most joy. They are already listening to her advice on saving for a home now through their own little savings accounts.

Narelle started her career in Retail Banking in 1987 and held various roles in customer service which steered her into managerial roles related to Change Management and Risk & Compliance.

Narelle transferred her skills and experience to the Financial Planning sector in 2008 and has completed a Diploma in Financial Planning. She works with Provident’s team to ensure the delivery of advice that is tailored to each clients unique financial goals and objectives.

Narelle enjoys spending time outdoors with family and friends.