About Garden Financial Services

With our talented team of experienced staff, we strive to create great outcomes in our client’s financial lives, which are based on commitment to honesty, integrity, transparency and teamwork.

Garden Financial Services

Harry Garden


Harry is the Managing Director of Garden Financial Services. He has some 51 years experience within the banking & finance industry, starting in 1963 with the National Australia Bank.

Harry worked for the Toowoomba Permanent Building Society in 1981 which became Heritage Building Society. A year later, Harry started HJ Garden & Associates a mortgage broking & financial planning business in Toowoomba, which he owned for 26 years. Eight years ago he started Garden Financial Services along with his daughter, Kaylee Garden, and her husband Gavin Williams.

Garden Financial ServicesKaylee Garden

BCom (HONS): Grad Dip (App Fin and Inv): Dip Fin Serv (FP)

Kaylee is a Financial Planner and Director of Garden Financial Services. Prior to establishing Garden Financial Services, she worked for PIMCO in Sydney as a Vice President and Head of Consultant Relations, Australia & New Zealand for seven years.

Prior to this, she worked in London for The Chase Manhattan Bank in their e-commerce division and for Fisher Francis Trees & Watts in Clients Services. In Australia, she worked at the Centre for Australian Financial Institutions, conducting research on financial institutions. She holds an honours’ degree in Commerce, majoring in Banking and Finance from the University of Southern Queensland, a graduate diploma in applied finance and investment from FINSIA and a Diploma in Financial Services (Financial Planning) from Kaplan.

Garden Financial ServicesGavin Williams

Dip Fin Serv (FP), Dip Finance & Mortgage Broking

Gavin is a Financial Planner, Mortgage Broker and Director of Garden Financial Services. Gavin is an experienced Mortgage Broker and Financial Planner and is an Aged Care Specialist® accredited advisor.

He previously spent six years in the Royal Australian Navy. Prior to this, Gavin ran his family farm in Crookwell, New South Wales.

Gavin holds a Diploma in Financial Services (Financial Planning) and Diploma Finance & Mortgage Broking. He is a member of the Mortgage Finance Association of Australia (MFAA), the leading mortgage industry body.

Sharon DonoghoeSharon Donohoe

Dip FP

Sharon is Operations Manager at Garden Financial Services and is responsible for the ongoing compliance, para-planning and management of the administrative needs of the business. She has a strong understanding of the financial planning process, market awareness, superior communication and technical skills, and has been in the Financial Services industry for over 20 years.

Toni-Ann BarnettToni-Ann Barnett

Adv. Dip. FP, Dip. FS (FP)

Toni-Ann is our Para-planner and she assists our financial planners in a non-client facing role with research, financial modelling and the preparation of advice documents. Toni-Ann has had 30+ years’ working in the financial services and insurance industry.

Garden Financial ServicesJenny Kemp

Jenny Kemp is a Senior Client Services Officer supporting Financial Planner and Director, Gavin Williams.

Jenny has 9 years’ experience in Financial Services, and has been an integral part of the Garden Financial Services team for the last 6 years.

Jo EadesJo Eades

Jo Eades is Senior Client Services Officer supporting Kaylee Garden, Financial Planner and Director. Jo has 27 years’ experience in both the banking and financial planning sector in NZ and Australia, the last 6 years in financial planning in a support role, and as an executive assistant. Her role includes being the initial contact for Kaylee’s new and existing clients; preparing advice and review documentation; updating client data and maintaining records; investment and insurance implementation and follow up; and diary management.

Vicky MorrisVicky Morris

Vicky Morris is our Client Service Officer who supports our dynamic team. As the first point of contact for all incoming phone and email enquiries. Her role includes; supporting Operations Manager with special tasks including ongoing compliance needs of the business; assisting with any overflow from Senior Client Services Officers; plus the general administrative efficiencies of the business.

Garden Financial Services.Gail Hartshorn

Gail Hartshorn is Marketing and Events Co-ordinator at Garden Financial Services, she is responsible for planning, organizing, managing and executing projects from beginning to end, working closely with the Managing Director and design staff.
She has 30 years’ experience in financial planning, insurance and the lending industry in the areas of sales, management, training and administration.

Gail previously held the role of Administration Manager at Garden Financial Services, but has now moved to this new position to enable her to work in a part time capacity.