Who We Are

The first thing you notice about Richard Cameron is that he keeps riffing on the phrase ‘you need a plan.’ Whatever life stage you quiz him on, he just can’t help himself; whether it’s a first job, getting married, having children, buying a home, planning for retirement or preparing for aged care, the answer is the same.

“You need a plan,” he smiles.

Richard is the principal of Future Step Financial Services and one of the Illawarra’s handful of aged care specialist advisers. With decades of experience in corporate Australia in General Manager roles, he came to financial planning late.

“After I finished with Corporate Australia, I became interested in helping people manage their money,” he says. “Having dealt with large budgets professionally and my own ups and downs, you realise how important it is to keep your finances stable at each stage of life.”

Richard is particularly interested in the aged care planning – a sector he argues is too often overlooked.

“Getting the right aged care advice in the final stages of life is important for peace of mind and to protect assets. The trouble is, people face an administrative and financial burden at the same time as they are dealing with frail parents in the final stages of life,” he explains.

“It’s just a burden you don’t need at the time.”

Richard says he enjoys the challenge of working with families to get the right care at the right time.

Richard is a Financial Adviser, an authorised representative of Lifespan Financial Planning PL. He holds a Bachelor of Economics, a Diploma in Financial Planning and a Graduate Certificate in Financial Planning. He is also an accredited aged care specialist.