Valeska Farrow

Risk Adviser B Bus, Adv Dip FS

I started in financial services over 30 years ago, working at a large Australian Financial Services company for 25 years before joining Goldsborough in May 2014. 

I work closely with Craig Kirkwood, assisting him with all aspects of personal insurance, quoting, formal advice documents, applications, claims, and ongoing service.

I have two very sporty teenage children which involve a lot of my time driving them to their various training and commitments. Living close to the foothills of Adelaide you will often find me walking the trails around Brownhill Creek or Waite Conversation Reserve. Born and bred in the bush I thoroughly enjoy the outdoor life.

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Latest insights

A financial planner can provide advice on a whole range of financial matters you could be dealing with at different life stages. They can help you manage your debts, plan for retirement, save for your kids’ education and invest in assets, including property. Whether you’re buying your first home, starting a family, changing careers or planning for life after your kids leave the nest, financial planning can offer you all sorts of benefits..
At a time when both share and fixed interest volatility is heightened, it’s important to point out the importance of looking at the long term returns and riding out any short-term hiccups. It’s also worth noting that interest rates on cash are still very low, so while it’s a safer option compared to shares, it’s not necessarily a profitable one given the current inflationary environment. That’s where alternatives come in and why we often include them in our portfolios.
What is deeming? Services Australia (Centrelink) use “deeming” rules to work out income from your financial assets. The actual “deeming rate” (refer below) is the rate of income the government assumes a person's financial assets have earned. It forms a part of the income test for certain Centrelink payments, including the Age Pension. It can affect how much Age Pension a retiree receives.