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WHO WE ARE
Master Your Money Now, a leading brand in the millennial space, was founded in July 2018 by Chris Carlin. With a specialization in assisting nurses and midwives, the business quickly gained prominence in the online virtual environment. Helping hundreds of millennials across Australia navigate financial milestones such as home buying, superannuation, protection planning, and investments, Master Your Money Now thrived during the challenging times of COVID.
In April 2023, Chris and his team made the decision to join the Vista family, and Master Your Money Now was acquired by Vista Financial Group. This acquisition further solidified Vista's commitment to serving highly educated millennials, broadening their expertise in helping this demographic achieve financial security and retire earlier with confidence. This acquisition allowed us to open our second office in Geelong, extending our reach and enhancing our ability to provide personalized financial guidance to clients in the area.
Chris Carlin is a highly respected and accomplished professional in the financial industry, known for his expertise in assisting millennials and his dedication to helping clients achieve financial success. With a background in serving millennial nurses and midwives, Chris understands the unique financial challenges and opportunities that this demographic faces. His deep knowledge of the industry and his firsthand experience, being married to a pediatric nurse, have allowed him to develop tailored strategies that address the specific needs of healthcare professionals.
Recognising the importance of home buying, superannuation, protection planning, and investments for millennials, Chris has helped clients navigate these crucial milestones with confidence. His expertise and guidance have enabled many millennials to achieve their financial goals, retire earlier, and build a solid foundation for their future.
Chris Carlin is a highly respected and accomplished professional in the financial industry, known for his expertise in assisting millennials and his dedication to helping clients achieve financial success. With a background in serving millennial nurses and midwives, Chris understands the unique financial challenges and opportunities that this demographic faces. His deep knowledge of the industry and his firsthand experience, being married to a pediatric nurse, have allowed him to develop tailored strategies that address the specific needs of healthcare professionals. Recognising the importance of home buying, superannuation, protection planning, and investments for millennials, Chris has helped clients navigate these crucial milestones with confidence. His expertise and guidance have enabled many millennials to achieve their financial goals, retire earlier, and build a solid foundation for their future.
Chris Carlin
Financial Adviser
Head of Education
Shane Moloney
Mortgage Broker
Head of Lending
Shane is married with three kids and lives on the Bellarine Peninsula. On most weekends, you will find Shane busy fishing and having camping adventures with the family or spending time in the garden. Shane has been employed in the finance industry for over 25 years and has spent the last 15 years in the mortgage industry in Australia.
Shane is married with three kids and lives on the Bellarine Peninsula. On most weekends, you will find Shane busy fishing and having camping adventures with the family or spending time in the garden. Shane has been employed in the finance industry for over 25 years and has spent the last 15 years in the mortgage industry in Australia.
Shane Moloney
Mortgage Broker
Head of Lending
Patrick Chipp
Financial Adviser
Patrick is a highly motivated and enthusiastic professional who is deeply committed to finance and helping clients achieve their financial goals. As a local who has grown up in the bayside area, Patrick has a deep understanding of the community and the unique financial challenges that residents face. He has a proven track record of success in helping clients accumulate and grow their wealth. In his free time, Patrick enjoys sailing, camping, and playing basketball, in addition to staying up-to-date on all things finance.
Patrick is a highly motivated and enthusiastic professional who is deeply committed to finance and helping clients achieve their financial goals. As a local who has grown up in the bayside area, Patrick has a deep understanding of the community and the unique financial challenges that residents face. He has a proven track record of success in helping clients accumulate and grow their wealth. In his free time, Patrick enjoys sailing, camping, and playing basketball, in addition to staying up-to-date on all things finance.
Patrick Chipp
Financial Adviser
Andrea Mercado
Marketing Manager
Andrea is an adept Marketing Manager specialising in graphic design and video editing. Her role fuels her passion for creative expression, translating brand messages into captivating visuals that engage audiences and drive traffic. With a background in Communication and Advertising, Andrea's artistic inclination shines through her work in Marketing and Graphic Design. She brings brand stories to life as a skilled video editor and seeks growth through online courses.
Beyond work, Andrea enjoys sketching, painting, computer games, and sports like badminton and basketball.
Andrea is an adept Marketing Manager specialising in graphic design and video editing. Her role fuels her passion for creative expression, translating brand messages into captivating visuals that engage audiences and drive traffic. With a background in Communication and Advertising, Andrea's artistic inclination shines through her work in Marketing and Graphic Design. She brings brand stories to life as a skilled video editor and seeks growth through online courses. Beyond work, Andrea enjoys sketching, painting, computer games, and sports like badminton and basketball.
Andrea Mercado
Marketing Manager
Mary Decena
Senior Paraplanner
Mary is our Senior Paraplanner and does most of our research, analysis, and documentation, to ensure that all of our members get the best outcome for their situation. She has over 7 years of experience in paraplanning and has a Diploma in Financial Planning.
In her spare time, she likes spending time at the beach with her family and friends. She also loves mountain climbing and hiking during the weekends.
Mary is our Senior Paraplanner and does most of our research, analysis, and documentation, to ensure that all of our members get the best outcome for their situation. She has over 7 years of experience in paraplanning and has a Diploma in Financial Planning. In her spare time, she likes spending time at the beach with her family and friends. She also loves mountain climbing and hiking during the weekends.
Mary Decena
Senior Paraplanner
Natasha Warnakula
Financial Planning Assistant
Natasha is passionate about all analytical things and is the happiest when lending a helping hand to others. She holds a degree in Economics and Management from LSE and currently completing her MBA. She enjoys immersing herself in new ideas and ways of thinking. She enjoys traveling and exploring new cultures and places fascinated by the spiritual realities of the universe. She spends her free time reading and watching movies and loves to spend time with family and friends.
Natasha is passionate about all analytical things and is the happiest when lending a helping hand to others. She holds a degree in Economics and Management from LSE and currently completing her MBA. She enjoys immersing herself in new ideas and ways of thinking. She enjoys traveling and exploring new cultures and places fascinated by the spiritual realities of the universe. She spends her free time reading and watching movies and loves to spend time with family and friends.
In the realm of advisory excellence, Chris Carlin shines brightly as one of the distinguished finalists on the coveted "50 Most Influential Advisers 2023" list. With an impressive track record of astute financial guidance and a commitment to client success, Chris has emerged as a beacon of expertise in the advisory world. His innovative strategies and unwavering dedication to delivering value have earned him a well-deserved place among the industry's most influential figures. Chris Carlin's presence as a finalist not only underscores his significant impact on the advisory landscape but also serves as an inspiration for aspiring professionals aiming to make a meaningful difference in their clients' financial journeys.
Patrick Chipp
50 Most Influential Advisers 2023 Finalist
Patrick Chipp has earned a well-deserved spot among the finalists on the prestigious "50 Most Influential Advisers 2023" list. His exceptional expertise and unwavering dedication to his profession have propelled him to the forefront of the advisory world. Patrick's ability to provide insightful guidance and innovative solutions has left an indelible mark on the industry, earning him recognition as a true thought leader and influencer. As a finalist, Patrick Chipp's contributions to the field have not only transformed the lives of his clients but have also set a remarkable standard for excellence in the advisory profession.
Chris Carlin
50 Most Influential Advisers 2020
Chris was recognised as one of the top 50 most influential advisers in Australia by Financial Standard.
The purpose of the guide is to raise awareness, in the eyes of the Australian public and the advice industry itself, for the advisers who are playing a key role in shaping the future of financial advice.
“Some are influencing the advice industry, be it through regulatory bodies or peer groups, others are influencing the delivery of advice and the client experience through technology and innovative business models. And others are leveraging their role as an adviser to make a meaningful difference in their community or communities abroad,” Financial Standard editor Jamie Williamson said.
Chris Carlin
2019 AFA Rising Star of the Year
The AFA Rising Star of the Year Award recognises new advisers (who have practiced for four years or less) who provide quality advice, demonstrate a commitment to education and contribute to the industry and their community.
AFA CEO, Philip Kewin said, “Chris shone amongst his peers for his commitment to personal growth and unique and engaging approach to educating and empowering clients. Chris sees challenges as opportunities and is a terrific role model for the future of financial advice.”
Chris Carlin
Infocus Rising Star of the Year 2019
The Infocus Rising Star Of The Year recognises a standout newcomer to the financial advice profession.
Infocus CEO, Darren Steinhart said, “Chris is an incredibly positive individual who has developed an excellent online presence on Facebook and Linked In. His proactive marketing, diversification of services and professionalism stands him in good company and for success in the future. This award can now go hand in hand with his AFA award which was in itself a great achievement.”
TESTIMONIALS
We believe that the best way to showcase our commitment to excellence is by letting our customers speak for us. Their testimonials serve as a testament to the trustworthiness and reliability of our service
Chris has given me excellent advice. All throughout I had the impression he only had the best intentions for the financial well-being of his customers. I liked how the gathered all important information quickly, synthesized it and educated me about what would work best in my situation. He quickly grasped what I already knew and what info I was lacking. That way we spent time on talking about the important individual aspects and not just generalized talk. Chris seemed to have deep insight into different aspects we discussed and was generous with his advice. I can only highly recommend.
Li B.
L
We have valued and appreciated the advice, guidance and planning from Chris and his team. From little understanding around our finances and goals we wanted to achieve to navigating and securing our future especially in the event of something happening to family and knowing we have a few things in place to support our kids. We highly recommend MYMN for whatever you may need in the future
Jas A.
J
Very happy with Chris and the advice he is happy to give in a pinch. Nothing is ever too hard and he’s always happy to field my random financial questions. Plus his depth of knowledge is simply outstanding.
Raigan H.
R
Having had no formal training myself in how to handle my finances. Master Your Money Now has provided me with expert advice and guidance on how to best handle my super and insurances. Chris is an incredibly knowledgeable, approachable and professional financial planner, who takes the complex world of finances and guides you with simple, achievable and practical steps to set-up a better future. Would highly recommend to anyone!
Joshua R.
J
Having had no formal training myself in how to handle my finances. Master Your Money Now has provided me with expert advice and guidance on how to best handle my super and insurances. Chris is an incredibly knowledgeable, approachable and professional financial planner, who takes the complex world of finances and guides you with simple, achievable and practical steps to set-up a better future. Would highly recommend to anyone!
Joshua R.
J
We have been working with Chris as a Financial Planner and more recently a Mortgage Broker as we just purchased a new house in the Geelong area. He has done a fantastic job helping us plan our finances and determine how much we can afford on a new house. Since making the purchase he has been working with the bank to make sure everything gets done before settlement.
Nathan P.
N
Since we first made contact with Chris of MYMN we have only had a positive experience. Before we had Chris's help we were not budgeting well and saving much at all, and didn't have our insurances in order. We wanted to become the best we could in our financial situations to set us up for future success. In just over a year we have managed to save for a house deposit and an emergency fund. The process was absolutely seamless and you are treated like a VIP. I know of others who have had the same experience with MYMN. We will be using MYMN services for a long time to come. MYMN's team are friendly, supportive and makes you feel comfortable when it comes to talking about your financial situations.
Nick
N
Chris has been our financial advisor for 3 years now, he has set us up for a perfect retirement, we are now worry free. I couldn’t recommend Chris highly enough to anyone who needs a financial advisor who is down to earth, friendly and just a good guy. You seriously can’t go past Chris from Master Your Money.
Julie E.
J
Having a young family, personal insurance was a must have. In 2021, getting a cancer diagnosis was something that shocked my family and me. Chris from MYMN was aware of my situation and his support in making an insurance claim eased the burden of financial stress during treatment. Thank you for making the claim process so easy! Couldn’t recommend a better financial planner.
Johnnie K.
J
Excellent meeting with our financial planner Chris. He has been amazing helping us navigate our finances and Centrelink. Chris is very knowledgeable and has given us lots of confidence our future will be wealthy.
Bob E.
B
I have found mour financial planner Chris to be amazing. He has set up our finances so we get the best returns. He is so easy to work with and explains very thing so I know what is happening to my finances. I highly recommend him.
Jennifer P.
J
We have been clients of Chris for three years now and are extremely happy with the financial and superannuation advice that he has provided over those years. We are confident that should anything happen, that we are completely covered and everything will be looked after. Would definitely recommend Chris for all your financial advice.
Vista Financial Group Pty Ltd (ABN 16624573039) t/as Master Your Money Now is an Authorised Representative of Count Financial Limited ABN 19 001 974 625 AFSL No. 227232 (“Count Financial”) which is 85% owned by Count Limited ABN 111 26 990 832 (“Count”) of Level 8, 1 Chifley Square, Sydney 2000 NSW and 15% owned by Count Member Firm Pty Ltd ACN 633 983 490 of Level 8, 1 Chifley Square, Sydney 2000 NSW. Count is listed on the Australian Stock Exchange. Count Member Firm Pty Ltd is owned by Count Member Firm DT Pty Ltd ACN 633 956 073 which holds the assets under a discretionary trust for certain beneficiaries including potentially some corporate authorised representatives of Count Financial.
Vista Finance and Lending, t/as Master Your Money Now is also Corporate Authorised Credit Representatives (No. 522226) of Australian Finance Group (AFG) Pty Ltd ACN 066 385 822 Australian Credit Licence 389087.