Our Team

At Your Future Advice, we are a dynamic and dedicated team of professionals with over 55 years of combined experience in financial planning. As trusted SMSF specialists and full-service financial planners, we focus on understanding your unique circumstances and working with you to shape the future you desire with clarity, confidence, and control.

Our commitment to delivering great service is grounded in our ethos of total quality management and continual improvement. We don't just aim to provide exceptional advice - we aim to build long-term value through lasting relationships and meaningful outcomes.

Michael Osborne
Principal

Michael is a seasoned financial adviser with over 35 years of experience across superannuation, insurance, and mortgage broking. He holds a Graduate Diploma in Financial Planning, Diplomas in Superannuation Management and Business, and is a Justice of the Peace in NSW. His depth of experience and well-rounded qualifications make him a trusted guide for clients wanting to plan smarter for the future.

Michael’s strength lies in Self-Managed Super Funds (SMSF) and Holistic Financial Planning, helping clients structure their retirement strategies, manage risk, and make informed decisions both inside and outside of super.

Michael’s philosophy is simple: advice should empower, not overwhelm. He believes financial planning should help clients feel clearer, more in control, and better equipped to make decisions that align with their goals. It’s this practical, thoughtful approach that’s earned him long-standing relationships with families and individuals across NSW and beyond.

Samantha Osborne
Operations Manager

With more than 30 years experience in finance, IT and customer service roles, Samantha has the skills to support all areas in the financial planning business. She has oversight of the Australian AFSL operations as well as providing a key Customer Support role assisting clients in the smooth implementation of Insurance, superannuation, and SMSF needs. Sammi has an Advanced Diploma of Accounting and a Certificate of Superannuation.

Ronnette Turpias
Administrative Manager

Ronnette brings over 8 years of experience in financial services, managing YFA’s end-to-end processes to ensure quality and efficiency. A former Lead Corporate Trainer, she’s known for simplifying complex financial topics like Super, insurance, and investments into practical insights. With a background in Biotechnology, a Cert IV in Mortgage Broking, and certification as a Google Educator, Ronnette blends technical skill with a passion for learning and innovation.

Queenie Cambangay
Client Relationship Manager

With over 8 years in the financial advice industry, Queenie is known for her operational expertise, proactive communication, and client-first approach. As Client Relationship Manager, she works closely with Michael to ensure a smooth, supportive experience across every stage of the advice process. Queenie is your go-to person for coordination, updates, and care, making sure you feel confident and well-supported throughout your financial journey.

Paul Enry Bactol
Client Services Administrator

Paul is a financial services specialist with over 6 years of experience in the Australian Financial Planning industry. He supports advisers with strategy development, financial modelling, and process improvement, combining technical skill with a keen eye for detail.

Proficient in platforms like Xplan and Plutosoft, Paul helps teams work efficiently and stay compliant.

Perlyn Gumahen
Marketing Manager

With over 9 years of hands-on marketing experience, Perl has led a wide range of brand and strategy initiatives across the financial services space. She began her career in financial planning support before transitioning into marketing, where she found her passion for driving growth through brand awareness and strategic execution. Perl brings a strong blend of creativity, leadership, and results-driven focus contributing to YFA’s growth while continuing to evolve as a marketing leader.

Michael Paquibot
Paraplanner

Myko is a skilled paraplanner and financial planning administrator with over three years of experience supporting advisers through compliant, client-focused advice processes. With a background in psychology and a foundation in customer service and technical support, he combines strong communication, technical precision, and a solutions-driven mindset. Outside of work, Myko is passionate about health, fitness, and team sports, reflecting his values of discipline and collaboration.