About Us

The RFG provide high quality financial advice to all of our clients.

To help us provide this high level of service, we take the time to get to know our clients. The first step is to understand your goals, aspirations and current financial situation. If you are seeking limited financial advice on a single issue, we’ll ask just as much as is necessary to fulfil your objectives. However, if you want a detailed financial plan, we’ll conduct a more in-depth analysis of your financial goals, attitude to risk and present financial position – including your income, assets, investments and liabilities.

Before undertaking any work, we will clearly explain the various steps involved in the financial planning process, as well as our fees and charges. We’ll also take the time to answer all your questions. If you are happy to proceed, we will then begin working on a plan for you. If part of our advice involves recommending certain products, we will set out in writing our reasons for suggesting those products so you can ensure you are happy with our recommendations before proceeding.

RFG Perth Team




Stephen was born and educated in Melbourne. I graduated from Footscray Institute of Technology with a diploma and catering and hotel management. In 1977 after I left university, I travelled round Australia eventually arriving in Perth where I have resided ever since.

Stephen is an authorised representative of Ramsay Planning Pty Ltd (AFSL 520748).

I worked in the hotel industry until 1989 when I moved into the financial services industry as a Financial Planner. I started the firm Ramsay Financial Group Pty Ltd in 1992 and have been the sole owner and director ever since.

I have a keen interest in swimming, surfing and all water sport activities. I’m very passionate about developing and sustaining long term business and personal friendships and assisting people meet their financial goals.

RFG Perth Team

Josh White

Josh White

Financial Advisor

Josh White has worked in the financial planning industry since 2010. His career started in Sydney but he transitioned to Perth in 2013. Josh’s passion lies in the world of the investment markets and he enjoys assisting people develop reasonable strategies to create wealth.

Josh is an authorised representative of Ramsay Planning Pty Ltd (AFSL 520748) to provide services in investments, insurance and superannuation. Josh will analyse your current situation, needs and goals to then consider options for implementation. His focus will then turn to consider appropriate progress meetings to ensure you are on track.

Josh was a keen hockey player, representing both at national and junior international level. He still plays in the Perth premier league with the Fremantle Hockey club and is a daily exerciser who enjoys watching the Sydney Swans in the AFL.

RFG Sydney Team




Andrew Ramsay has owned his own financial planning business since 2006 and really enjoys helping busy people develop and implement plans to build and protect their wealth.

Andrew is an authorised representative of Ramsay Planning Pty Ltd (AFSL 520748). Andrew is like a GP helping you with your varied financial needs and issues. Andrew utilises a large team of product and research specialists, in areas such as investments, insurance, self managed superannuation funds, estate planning and aged care to ensure clients receive the highest standard of advice.

Andrew is married with three daughters and enjoys tennis, swimming, watching sport, particularly St Kilda in the AFL, and drinking red wine with friends.



Andrew has an extensive background in the financial services industry and this greatly assists him to advise clients on investments that will help them meet their goals and avoid making major mistakes. He has worked in Chicago, London, Melbourne and New York, as well as in Sydney.

Andrew has a Bachelor of Commerce, a Masters of Business Administration (MBA) from the Australian Graduate School of Management, and a Diploma of Financial Services (Financial Planning). Andrew is an adviser in the area of self managed superannuation and is an accredited specialist with the Self- Managed Super Fund Professionals’ Association of Australia (SPAA).

Andrew is an experienced financial professional with extensive experience assisting individuals and businesses. Andrew’s 9 years working in the USA and UK and many years working in dealing rooms are invaluable in assisting clients to make sound investments and rational decisions in turbulent times.

Andrew is committed to assisting individuals and small to medium businesses develop and implement plans to achieve their goals. This involves implementing strategies to build wealth and also ensuring clients protect themselves and their family in the event of unexpected events, such as prolonged sickness, injury or premature death of a partner. Andrew regularly provides advice to Self Managed Superannuation Funds (SMSF’s).


We Help Clients:


  • Clarify their lifestyle and financial goals
  • Better manage their cash flow
  • Select quality investments as part of a diversified portfolio
  • Put tax-effective financial strategies in place
  • Understand the value of insurance in protecting their lifestyle & dependants
  • Implement a plan to deliver significant financial benefits over the long term and for older clients to ensure they have sufficient funds to enjoy a comfortable retirement


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