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Too often in life we are told it can't be done and at Gardian, we promise to help you
overcome the barriers. We are fostering a culture of belief amongst our clients, that with our
strategy, focus and determination behind them, anything is possible. Gardian focuses on
providing a holistic approach to wealth management, advice and security in all areas of
finance and property. Most importantly, we will be with our clients, at every step.

We are one
We are family

Our brand reflects what we do: we are Gardians of our client’s wealth and assets and together, we
will help them grow and achieve their dreams. Gardian provides the knowledge, capabilities, product
range and services in the real estate, finance, financial planning and insurance sectors to provide
seamless solutions for our clients.

Most importantly, at Gardian we work together to bring the best of our knowledge and experience
to our clients.

We are family

Peter Phillips

Director + CEO – Gardian

As CEO of Gardian, Peter with the support of other Directors is responsible
for the strategic direction and focus of this multi-disciplined finance, real
estate, wealth creation and asset protection company. With a long history
in the banking and finance industry and the original franchisee for the
Phillips Mortgage Choice division of the business, Peter is highly
experienced in delivering a customer service experience to clients that is
based on exceptional value and positive outcomes.

“Ibelieveintheconceptofsacri cialactsandgoingoutofmywaytobene tandhelpothers.Growingup,I
didn’tunderstandtheimportanceofcreatingwealthandinthelast21yearsIhavemadeitmyprioritytolearnaboutallaspectsof nancesoIcan
educateothersandhelpmakeadi erence.Ienjoynothingmorethanusingmyknowledgetohelpcreatewealthandsnowballsuccessforothers.”

Denise Phillips

Director – Gardian

After graduation, Denise spent eight years working in the Human Services
field, for both government and government-funded organisations. In 2000,
she focused her energy not only on commencing a family, but also in
establishing Phillips Mortgage Choice with her husband, Peter. Denise
continues to be involved in the overall management and growth of
Gardian, in particular with the Mortgage Choice and Mortgage Choice
Financial Planning brands.

“Growing up as the youngest of four siblings, I often felt my voice was lost in order to keep the peace in a big
family. Having a voice is important to me and one of my passions is to ensure that people feel as though they are heard and understood in order to
help them achieve their hopes and dreams. It’s also important for me to treat everyone I come across in life with the utmost respect and be sure to put
myself in their shoes. People always remember how we treat them and this legacy goes a long way to building lasting relationships.”

Luke Phillips

Managing Director – Gardian Insurance Brokers

Luke has more than 15 years’ experience in the insurance industry
specialising in commercial and corporate insurance services and in 2006,
established Gardian Insurance Broking. Luke and his team are experienced,
hands-on commercial insurance brokers and clients enjoy being able to
pick up the phone to personally discuss issues with them. Luke's personal
understanding of his client’s businesses puts him clearly in their corner.
Gardian Insurance Brokers is the region's only 100% locally owned and
operated licensed general insurance firm and the entire Gardian team work
hard to deliver a personalised, professional service to clients.

''Astheyoungestofsevenchildren,nothingwashandedtomeonasilverplatter.Ihadto ghttoothandnailforeverything.Ihavehadmyownbattles
in life and I expect many more, fortunately I've been surrounded by great people who have supported me and continue to do so.
Now I feel a strong sense of obligation to reciprocate this support to others. I also want my two sons and anyone in my life's path to know that it's okay
to struggle in life but don’t give up trying and most importantly to know I am always here to listen without judgement."

We are family

Ben Phillips

Managing Director – Phillips Mortgage Choice

Ben Phillips has led the Phillips Mortgage Choice division of Gardian since 2013
and has worked for the company since 2006. His wide knowledge of the finance
industry is well respected by clients and lenders alike. Ben is extremely proud of
the fact that 75% of Phillips Mortgage Choice business is made up of repeat
customers and Ben’s personal approach to touch base with clients on a regular
basis is testament to this high percentage.

“Throughout my life I have been blessed with an abundance of great mentors who have steered me in the right
directiontoaccomplishpersonaland nancialgoals.Now,itismytimetopassonthisknowledgetoeverycustomer
that walks through our door because becoming a mentor or a guide to others is a reward within itself. I’m passionate about helping my clients become part
oftheGardianfamilyandseeingthemachieve nancialindependence.Mostimportantly,Iloveseeingthemenjoytheirjourneyalongtheway.”

Eric Rickman

Managing Director (Principal) – Gardian Real Estate

Eric is widely respected for his direct and honesty-first approach in the
traditionally tough real estate and property market. Eric has been a Principal
and Property Sales Consultant for more than ten years in the Mackay region
and closely follows the mantra of "you reap what you sow" and knows that if
you do the right thing by your client, repeat business and strong
recommendations will follow. This mantra has become a key operating
philosophy of the Gardian Real Estate division and the company is growing as a
result of this culture. Providing outstanding customer service is a key focus for
Eric and he loves to lead by example.

“From an early age I have always strived to be the best at whatever I did. I think this is in my DNA, as I come from a large, successful and very giving family. In
raisingour vebeautifulchildren,mywifeandIfocusedonthemainlifelonglessonsthateveryparentshouldpassontotheirchildren.Numberoneisto
knowrightfromwrong;numbertwoishavetheabilitytoworkhard,earnadollarandbeself-su cientinlife;and nally,alwaystreatothersasyouwould
liketobetreatedyourself.Mymantrainlifeisyoureapwhatyousow,andoveralifetimetheful llmentfromgivingandhelpingothersfaroutweighsany
rewards we will receive during that journey.”

Ben Kerrisk

Managing Director – Gardian Real Estate

After working as a Teacher and Deputy Principal of a local primary school, Ben
completely changed career paths and entered the real estate industry in 2008.
Ben’s calm and friendly approach, coupled with fresh and innovative marketing
practices has helped Gardian Real Estate achieve outstanding results. Ben is a
true professional, and works hard to develop systems and processes so that
both client’s and staff achieve positive outcomes.

“I worked for 13 years as a Teacher and Deputy Principal of a local primary school before I made the natural
transition into the real estate industry in 2008. I call it natural because I’m still in education, whether it be educating
myself; educating buyers; educating sellers or educating colleagues. It’s just that the subject has changed. It’s not mathematics anymore, its real estate. When
I was younger I saw many people close to me make some poor property choices. So now, I focus on helping clients make informed decisions regarding their
propertyportfolio,whetherit’stheir rsthomeortheir20th,it’suptometohelpeducatethem.”

We are family

Gardian is the region’s only real estate, finance, financial planning and insurance broking super hub. We
are recognised throughout regional Australia as market leaders and we are proud to extend our family
values to our clients.

Owned and operated by locals including three brothers Peter, Ben and Luke Phillips, and Peter’s wife
Denise Phillips; along with Eric Rickman and Ben Kerrisk, Gardian is a dynamic company that thrives on
relationships. Gardian traces its beginnings to the launch of Phillips Mortgage Choice in 2000 by Gardian
CEO and Director, Peter Phillips. Over time, the business has diversified to include Gardian Insurance
Brokers, Mortgage Choice Financial Planning, Gardian Real Estate including property management and
Gardian Developments.

Gardian has a reputation for providing an honest, thorough and results focused service to our clients. In
addition, we boast sound financial credentials and robust systems and processes which means we have
an exciting future ahead of us. Our high-service model is underpinned by a loyal and dedicated team of
people, all of whom are wholly committed to providing clients with an exceptional level of service in the
areas of real estate, finance, financial planning and insurance broking.

We are one

Gardian Insurance Brokers

Established in 2006, Gardian Insurance Brokers partners with some of Australia’s most respected
Authorised Representatives who specialise in general insurance advice and cover. Our experienced
team of broker representatives, each have their own specialties, which means that Gardian has broad
experience in insurance risks and has established contacts with a wide range of underwriters.

Gardian is also a member company of IBNA (Insurance Brokers Network Australia), the largest
network of independently owned Insurance Brokers that assist in providing our clients with the
benefits of big business buying power while still delivering professional and personalised service.
Most importantly, Gardian Insurance Brokers is the region’s only locally owned and operated
insurance brokerage house, providing clients with an unparalleled level of service and decision
making.

• Professional indemnity • Trade insurance
• Public liability • Marine
• Business insurance (SME & corporate) • Trade credit insurance
• Heavy machinery and commercial • Investor property insurance
• motor fleet insurance • Hard to place risks and tailored packages
• Boat and vehicle insurance
Mining insurance • Property

(specialist resource industry facilities)

Gardian Real Estate

Gardian Real Estate has made a huge impact on the local industry and regularly leads the way in
Mackay for both sales and rentals. Mirroring the entire Gardian philosophy, the real estate division
prioritises customer service and professionalism in every transaction. Boasting strong, dynamic
leadership and a fresh and energetic marketing style, Gardian Real Estate is determined to stand out
from their competitors in every way.

Residential sales and property management are specialties of Gardian Real Estate, however
commercial sales and leasing is also a key offering of the business. Going above and beyond ‘normal’
real estate services is the goal of Gardian Real Estate and clients love it.

• Residential real estate sales - • Buyers agents
• Commercial leasing
homes, rural, units and land • Property management

• Commercial sales
• Business broking

We are one

Phillips Mortgage Choice

Phillips Mortgage Choice is proud to be a leading Mortgage Choice franchise since 2000. Managing
Director Ben Phillips and his award winning team are experts at helping home buyers achieve their
dreams. Our team specialises in home loans but also offers a debt consolidation consultation service
and can assist with savings strategies to help people on their path to owning their own home sooner.
Mortgage Choice is a long established and respected financial services firm and offers client complete
transparency with regard to costs and fees.

• First home buyer finance • Fixed, variable and interest only
• Next home finance
• Property investment loans home loan packages
• Home loan refinancing
• Debt consolidation • Personal and car loans
• Equipment finance and leasing
• Commercial finance

Phillips Mortgage Choice Financial Planning

The financial planning division of Gardian is an extension of the highly respected Mortgage Choice
brand and uses proven systems and processes to achieve results for our clients and is a natural
addition to the Gardian offering. The Phillips Mortgage Choice Financial Planning approach to financial
planning is real, is relevant and is results focused. Whether you have a single need or want a complete
financial plan to guide you through life, Phillips Mortgage Choice Financial Planning will be there for
you at every step and as your goals change. Led by an experienced Financial Planning team, our
financial planning service will help you realise your financial possibilities and achieve your goals
sooner, while making sure your lifestyle is fully protected along the way.

• Life and income protection insurance • Self-Managed Super Fund
• Wealth and finance advisory service
management and creation

Gardian Developments

Mackay property developers, Gardian Developments, can develop, design and build to suit all your
residential and/or commercial needs. Developing land and projects is not about squeezing as many
housing spaces or lettable area as you possibly can onto a lot, it’s about achieving profitable, realistic,
and practical outcomes.

• Multi-dwelling residential developments • Land developments/subdivisions
• Commercial projects • Joint ventures
• Industrial projects

Get in Contact: In partnership with

p (07) 4957 7424 www.gardian.com.au
e [email protected]
a 73 Wood Street, Mackay Qld 4740
m PO Box 925, Mackay Qld 4740