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Our Team

Lowe Financial Group have built a team of advisers who provide experience, knowledge and a strong belief in the value that quality advice provide experience. This means you receive leading advice in terms of product, solutions and service from our team.

Our dedicated and highly trained support team provides you with accurate details, regular reviews and most importantly prompt processing of claims. Our team is experiences and eager to assist our clients, providing the very best service possible.

Gerard Lowe



Authorised Representative No. 226542

Gerard joined Lowe Financial Group in 1988. Gerard holds a Diploma of Financial Services with an Advanced Diploma in Financial Services. As one of Australia’s leading Risk Advisers Gerard has won several major company awards and has been nominated for the Association of Financial Advisers of the Year Awards in 2005 & receiving a Highly Recommended award
in 2010.

Gerard’s commitment to the industry includes being on several company advisory boards and being a member of the Association of Financial Advisers (AFA).Gerard has been at the forefront of thementoring program, assisting newadvisers to the industry when establishing their business and ongoing training in specific areas required. Gerard’s vast knowledge,
experience, commitment and understanding of the industry, allows him to provide a unique solution to your insurance requirements. The implementation and monitoring ensures your tailored portfolio is right for you when you need it most.

Kirstel Makepeace


General Manager


Kirstel commenced with LFG in January 2015 as Gerard’s Personal Assistant & the Vitality Coach.  As a Personal Assistant, Kirstel works closely with Gerard in delivering the required outcomes for our clients and the business.
Kirstel’s Vitality Coaching role allows Kirstel’s customer service experience to assist LFG’s clients on the AIA Vitality program to gain the maximum benefit out of their Vitality membership.  If you would like to know more about the Vitality program, please contact Kirstel or your adviser.

Gemma Georgiou


Client Service Officer


Since joining LFG in 2002, Gemma has taken on a senior role within the business assisting all LFG clients and referral sources with maintaining their insurance portfolio.  Gemma is also responsible for our direct marketing. If you would like any details about our offers or about your policies, please call Gemma.

Grace O’Neill


Senior Client Service Officer


Grace commenced with LFG in February 2019 full time whilst taking a gap year after a successful VCE, deferring from her chosen University course, which Grace is now thriving at in Law & Mediation. Grace has confidently moved into a Senior Client Service Officer role ensuring that all of our clients receive excellent customer service and assistance whether it be in New Business or Policy Services. Grace also manages & controls Lowe Financial Group’s Marketing & Social Media which she thoroughly enjoys.

Check out her work & follow us on 

Sandra Forster


Client Service Officer


Sandra joined LFG in February 2020 taking on the role as Client Service Officer. Coming from a customer service background, Sandra’s extensive experience has enabled Sandra to adapt her skills and work easily with our clients in providing assistance in both New Business and Client Services. Working as part of the Client Service team Sandra is always willing to help you, please do not hesitate to contact Sandra or any of the team should you require any information or assistance.

Sarah Lowe


Client Service Officer


Sarah joined LFG part time in July 2020 as she continues her studies in Business Management at La Trobe University. Sarah is usually the first person you will either meet or hear at LFG. Her cheerful personality and sunny disposition are always ready to assist you with any of your queries and ensure that you are pleasantly looked after. Enjoying her new role, Sarah is motivated to learn everything she can from the experienced team at LFG. Sarah has gravitated to assisting Grace with LFG’s social media.

Honest and informative about the different aspects of insurance needs to a business as well as an individual... excellent, quick and efficient service when I had to make a claim.

Mr Peter Mastores

Ged shows great knowledge of his industry, but more importantly, is able to skilfully apply that knowledge to an individual's particular circumstances.

D Routson - R T Group

A genuine company who is ‘solid’. You understand client needs and can confidently guide them to financial security for their future. At all stages of our review the follow up and one on one liaison made the whole exercise less complicated and time consuming.

Mrs Charleen Sharp

My (and my husband’s) insurance policies were overdue for a review. The convenience of having you come home was great. From the very beginning everything was clearly explained and laid out.
Due to past experiences, I was dreading the transition from one policy to another, but it was the smoothest and most streamlined transition I have ever had. You and your team organised it all! And it is great to know this is not where your service ends.

Dr Jacqueline Fong