About Us

Business Team Research

About Journey Financial Group

Financial planning is the process of meeting your life goals through the proper management of your finances. Your financial independence and future quality of life are vital issues that should not be left to chance.


We understand this and can help you secure your future by providing tailored financial strategies designed to create and preserve wealth.

Providing you with the Financial Planners for the best future

Our highly experienced team has worked in financial planning for more than 60 years combined.
Over this time, we've helped hundreds of people take steps towards financial independence and security. Get to know more about our team and how we can help you.

Rick Rayment

Richard has been involved in the Financial Services Industry since completing his Economics Degree qualification in 1990. 

Richard established Journey Financial Group Pty Ltd (previously Rayment Financial Services) in 1991 as a Sole Advisory Practice.

Since then, he has built up a considerable client base offering specialised services in Superannuation and Retirement Planning, Tax Effective Investments and Wealth Creation, Risk Management and Business Planning.

Although Journey Financial Group is based in Townsville, North Queensland, the business has been able to expand through the improvements in technology to assist individuals and small business throughout Australia. 

Journey Financial Group prides themselves in not only assisting their existing valued client relationships but also looks to develop their employees to grow as individuals for career pathways. 

Richard holds a Bachelor of Economics Degree from James Cook University and he has completed the DFP 1 through 8 of the Diploma in Financial Services (Financial Planning). He is always looking to improve his skills and education with ongoing education a priority.

Although the majority of Richard's working career has been in the Financial Services Industry, whilst completing his Degree, he worked in the Hospitality Services Industry in various roles and ran a Martial Arts School providing self-defence training and personal growth development skills. He is also a former Rugby League player and supporter of the North Queensland Cowboys.

Geoffrey Sprott
Senior Financial Adviser

Journey Financial Group clients have been trusting Geoffrey Sprott to help them shape their financial future for the last twenty years.


Since becoming a fully qualified adviser in the year 2000, Geoff has been able to apply his previous Investment and Small Business experience to really understand what clients want to achieve with their finances and then assist them to grow and protect their wealth.  

With a particular focus on Superannuation and Retirement Planning Strategies, strengthened by extensive ongoing training and development in these key areas, Geoffrey can help you to set realistic goals and keep you on track to achieving them. 

Geoffrey’s vast technical knowledge ensures you receive sound advice that will help put you in a better financial position.  His ability to convey complex and often confusing financial strategies in an easy to understand language leaves you in no doubt that your future is in good hands.  


Rikarli has been working in the Financial Services Industry since 2013. She completed her Bachelor of Business and Commerce Degree with the University of Southern Queensland in 2018 and during this time, she was recognised for her outstanding academic achievements and invited to join the Golden Key International Honour Society. She also holds a Diploma in Financial Services (Financial Planning) and a Diploma in Financial Services (Insurance Broking). She continues to looks for ways to further her knowledge within the industry.

She is enjoying her latest challenge in the industry as an Authorised Financial Adviser and can provide Personal Financial Advice in the areas of Superannuation and Retirement Planning, Tax Effective Investments, Wealth Creation, Risk Management and Business Planning. 

Rikarli is a Townsville local, living in Brisbane servicing the client base both digitally and in person working with clients all over Australia. 

Rikarli Rayment  
Financial Adviser
Staff Brett.png
Brett Schreiber
Financial Adviser

Brett has had considerable experience over the past 35 years within the commercial world. He began in Investigations of various corporate entities and their financial affairs and moved from this area to accountancy and his own practice.


He has been involved in Business Planning and Structures, Investments, Self-Managed Superannuation Funds, Estate Planning and other Investment and Business areas.


Brett holds the following qualifications: Certified Financial Planner, Chartered Accountant, Fellow Certified Practicing Accountant, Bachelor of Commerce from the University of Queensland, Master in Taxation Law University of New South Wales and Diploma in Financial Planning. He is also a Justice of the Peace (Qualified), Fellow of the Australian Taxation Institute and Associate of the Taxpayers Association.

He has built up a considerable client base, offering specialised services in Superannuation, Retirement Planning, Tax Efficient investments, Wealth Creation, Risk Management and Business planning. 

Meet the rest of the team

Katrina Green  Practice Manager | Client Relationship Manager

Katrina has 21 years’ experience in the Financial Planning industry and holds a Diploma in Financial Planning which enables her to assist with general Financial Planning enquiries. Katrina has held various roles within the industry, including Para-planning, Client Relationship Management, Office Management and HR. 

Katrina moved to Townsville from Brisbane in 2015, where she enjoys visiting a few times each year to spend time with family. In Brisbane, Katrina worked for a range of different Financial Planning practices, however her favourite part of the job has always been assisting the Advisers to help provide exceptional client services. 

Chelsea Sprott  Reception

Chelsea joined the Journey team in October 2018. After gaining vast experience in the Hospitality industry, Chelsea was eager for a breath of fresh air and a new start in the Financial Planning world.

While Chelsea is only new to the industry, she is looking forward to furthering her knowledge by studying the Diploma in Financial Planning in the near future to help her settle into a long term career in the Financial Planning Industry.

Sarah Santo  Administration Assistant

Sarah joined the Journey Team in August 2019 after relocating from Charters Towers. She was ready to experience a change and found her new home in the Financial Planning Industry. Sarah is now a part of our team as the Administration Assistant.


Although she is fairly new to the team and the Financial Planning industry, she has shown large enthusiasm towards all aspects of her work. 

Sarah enjoys working with the Journey Team and loves to lend a hand wherever she can. Sarah is excited to continue in this career pathway and will commence her Financial Planning Diploma studies in 2020. She looks forward to using this to expand her knowledge and provide for a stable future that she will happily enjoy that will also enable her to develop her understanding throughout her career.