Kristy Lambert

Founder & Financial Adviser

I believe financial security is the foundation of a happy home. As a mother of three, I understand the real-life challenges families face when planning for the future

My own family has experienced firsthand the importance of having quality insurance. Without it, we would have faced financial ruin. This experience fuels my passion for helping parents protect their families from unexpected financial setbacks, as illness and accidents do not discriminate, and life can change in an instant.

I hold a Graduate Diploma of Financial Planning and am proud to be both an Accredited Behavioural Finance Professional and a Chartered Retirement Planning Counsellor. These qualifications allow me to offer advice that’s not only technically sound, but also tailored to how people really think and feel about money, especially during life’s big transitions.

Whether you're planning for retirement, managing an insurance claim, investing for the future, or making the most of your super, my team and I are here to make the process smooth and stress-free.

Contact me today to book your free discovery call. Let’s talk about how we can help you feel confident and in control of your financial future.

Kristy Lambert is an authorised representative (1235614) of Cobalt Advisers Pty Ltd (AFSL 512550)

Steve Bratby

Financial Adviser

With over a decade in financial planning, I provide specialised advice to both individuals and business clients. I’m passionate about working closely with my clients to help them achieve their financial goals and manage their wealth effectively. My approach is all about understanding what’s important to you and offering tailored advice that meets your unique needs.

I value building strong, lasting relationships with my clients. I’m dedicated to providing personal, professional service that truly makes a difference. By focusing on what you need and staying committed to your success, I help you achieve financial security and peace of mind.

My extensive experience is supported by a business degree, which adds an extra layer of expertise to the financial strategies I offer. With a blend of hands-on experience and a solid educational background, I’m here to provide thoughtful and practical financial solutions for you.

Steve Bratby is an authorised representative (AR 408789) of Cobalt Advisers Pty Ltd (AFSL 512550)

Kylie Pirie

Practice Manager

At Lucid Financial, I believe that exceptional financial planning goes beyond just having the right expertise; it also depends on how smoothly and efficiently our practice runs. As the Practice Manager, I take great pride in ensuring everything operates seamlessly.

With a background in medical practice management, I bring valuable skills to the financial planning field, focusing on exceptional client care, meticulous attention to detail, and a strong commitment to handling your sensitive information with the utmost care and confidentiality. Whether it’s managing day-to-day operations, coordinating client meetings, or ensuring every detail is in place for your financial journey, I’m dedicated to providing you with top-notch service.

My experience helps our advisers concentrate on what they do best: assisting you in achieving your financial goals, while I handle the operational and administrative aspects that keep our practice running smoothly.

Haley Jones

Associate Adviser

I’m passionate about helping clients feel confident and in control of their financial future. With five years of experience in financial advice, I’ve worked across client service, implementation, paraplanning, and associate roles, giving me a strong understanding of the entire advice process and what it takes to deliver exceptional outcomes.

Having recently completed my Bachelor of Financial Advice, I’m excited to bring both technical knowledge and practical experience to support our clients in achieving their goals. I believe financial planning is about more than numbers—it’s about creating clarity and peace of mind so you can focus on what matters most.

Whether it’s navigating complex strategies or simply making the process easier, I’m here to ensure every step feels straightforward and stress-free.