Meet the team
Seed Wealth Australia was established in 2018 with a team that has a combined experience of over 40 years in Financial Advice. Our vision is to provide sustainable advice with a personalised service to meet each client’s specific needs.
We create, grow and protect wealth with individuals, families and business clients. We believe no client is too small at Seed Wealth. Whether you are at the start of your journey or you are progressing towards your goals we are ready to partner with you.
Come grow with us.
Advanced Diploma of Financial Services
FAAA
James is a Senior Financial Planner and Principal Director of Seed Wealth Australia. James has been a qualified Financial Planner since 2007 working with one of Australia’s leading financial institutions as a Senior Planner based in Townsville and providing service Australia wide including remote and rural areas. James has comprehensive experience in providing financial advice to clients, and prides himself on providing a high level of professionalism and personal service.
James has always been passionate about finance and financial planning first working in the insurance industry in 1990 before moving on to manage operations with a multinational North Queensland based operation. He completed further studies and has since been employed as a qualified financial planner and assisted clients with meeting their financial and lifestyle goals leading up to retirement and beyond, as well as wealth accumulation and wealth protection. James is also qualified in various specialist areas of financial advice.
James is passionate about ensuring that clients can meet their goals and objectives not only at the present but in the long term. His high level technical skill garnered through a combination of education and experience, coupled with his personal service ensures that he is able to communicate complex levels of advice in a simple and understandable manner. He prides himself on maintaining long term relationships with clients based on both his commitment to integrity and keeping client’s best interests at the forefront of what he does.
When not working, James enjoys spending time with his wife and young family and competing in Duathlon’s and Ironman’s, always maintaining a level of personal fitness.
Advanced Diploma of Financial Services
FAAA
SMSF Specialist Adviser – SSA
Mikhail is a Financial Planner with Seed Wealth Australia and has been with the company since its inception in 2018. Mikhail has been a qualified Financial Planner since 2012 previously working with one of Australia’s leading financial institutions as a Financial Planner, based in Townsville and Ingham providing service in rural and remote areas across North Queensland as well as digitally Australia wide. He prides himself on providing a high level of professionalism and personal service.
Mikhail has always had a keen interest in finance studying a Bachelor of Business at James Cook University. Upon completion he commenced work as an Accountant in 2010 where he worked with a wide range of clients from Government Organisations, Corporates and the Self Managed Super Fund Sector. After completing further study he has since become qualified financial planner assisting clients with meeting their financial and lifestyle goals and objectives through both wealth accumulation and protection and retirement planning.
Mikhail is passionate about helping clients to achieve financial peace of mind at all stages throughout their life. In particular, he understands the value of putting steps in place from an early age to ensure you have the confidence to deal with the many changes that will occur over your working life such as marriage, children, schooling and retirement. He prides himself on being able to articulate the value in a common-sense approach tailored specifically to each person’s individual situation.
When not working, Mikhail enjoys spending time with his friends, young family and 2 dogs as well as playing sport.
Diploma of Financial Services
FAAA
Katrina is a Financial Planner with Seed Wealth Australia. Katrina has been working in the financial services industry since 2010. She became a qualified financial planner in 2012 working in one of Australia’s leading financial Institutions as a Financial planner based in Townsville and Bowen, providing service Australia wide including remote and rural areas across North Queensland.
Katrina has comprehensive experience in financial advice specialising in Insurance and Wealth Protection and prides herself on providing a high level of professionalism and tailoring of specific strategies to suit each client. She takes great care in ensuring that clients are comfortable with all aspects of their finances and that they continue to remain on track with their goals whether they be financial or otherwise. She understands that her strategies and service go hand in hand to assist people to protect their long term goals and objectives. She has worked closely with clients to protect and build their wealth with vast experience successfully assisting clients through the personal insurance claims process.
Having been through the claims process with many clients she sees the value in having comprehensive insurance cover so that your family’s debts, children and lifestyle are protected to help see you through when unforeseen circumstances occur. As a mother with a young family herself, she appreciates the responsibility of having to consider the wider needs of your family. She hopes to empower others to make smart decisions and become financially independent.
Outside of work Katrina enjoys being active and spending quality time with her young family and friends.
FAAA
Zac has worked within the financial services industry since 2017 and joined Seed Wealth Australia in early 2022.
With a Bachelor of Business, majoring in Financial Management and Economics from James Cook University, Zac ensures that his clients can confidently navigate their financial journeys.
Zac’s passion lies in helping clients achieve their financial goals and secure their future, through wealth accumulation, retirement planning and wealth protection. His comprehensive approach ensures that every client is guided through the complexities of these financial strategies and receives personalised advice tailored to their unique financial situation.
Zac is committed to empowering his clients with the knowledge and strategies they need to make informed financial decisions, providing peace of mind and financial security.
Beyond his professional life, Zac enjoys overseas adventures with his girlfriend, he is also an avid cyclist who enjoys exploring trails on his mountain bike. He has a keen interest in golf and is especially committed to donating brand new Callaway’s to the waterways on each local golf course.
Aged Care Specialist
Kayla Moravcik has been a valued member of the Seed Wealth team since 2020. In April 2024, she advanced to the role of Financial Planner after completing her professional year and earning her Graduate Diploma of Financial Planning.
Kayla provides expert advice in personal insurance, investment, and superannuation, working alongside our team of experienced advisers.
Kayla is also an Aged Care Accredited Specialist, bringing valuable experience and dedication to assisting clients with their aged care needs. She prides herself on delivering a high level of professionalism and personalized strategies tailored to each client’s unique circumstances.
Kayla is committed to ensuring clients are comfortable with all aspects of their finances and remain on track with their goals, whether financial or otherwise.
Kayla serves clients Australia-wide, including remote and rural areas across North Queensland. She aims to empower others to make informed decisions and achieve financial independence.
Outside of work, Kayla enjoys traveling the world with her husband, and staying active.
With a deep passion for the Financial Planning industry, Xanana is dedicated to advancing his knowledge and skills to become a Financial Planner.
Outside of work, he enjoys watching sports, staying active at the gym, and dedicating time to his studies.
Janine is the Compliance Manager of Seed Wealth Australia and has been part of the team since the business commenced.
Janine has worked in the Financial Services Industry since 2002. Whilst originally specialising in providing face to face advice, she now deals primarily in the role of compliance manager and ensuring the team continues to provide a high level of service to a large base of clients Australia wide.
Janine enjoys the challenge of the ever-changing legislative environments in the financial planning industry, and has continued to further her education, completing the Graduate Diploma of Financial planning in 2024. Having extensive industry experience and dealing with a large number of clients she understands the power of obtaining financial advice and the long term benefits that can be achieved.
Outside of work Janine enjoys spending time out on the water with her family.
He has previously worked in a large multinational business managing a team of staff and overseeing the process of the day-to-day operations.
Jason enjoys spending his spare time with his family.
She has been in the Financial Advice profession since 2004 providing para-planning and office management support.
At Seed Wealth, Lia is known for her extensive ‘behind the scenes’ work. She provides support and para-planning services to the team and is a friendly and informed assistant to our clients.
After work, Lia can usually be found running on a mountain track, riding her motorbike, or paddling her surf ski (or more commonly, eating chocolate).
Majella has been in the Financial Planning industry since 2019, assisting clients and advisers by preparing documents, ensuring strategies are implemented and assisting clients directly with Social Service updates and applications, having a wealth of knowledge from previous experience working at Services Australia.
Outside of work Majella enjoys being active by walking up castle hill and along the river as well spending time with her husband and two wonderful sons.