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Meet Your Essential Financial Solutions Team

Introducing the EFS team, your financial advice wizards! We're here to make financial advice less intimidating and more enjoyable. From insurance to KiwiSaver and estate planning, we'll guide you with expertise and a friendly touch.

Let's conquer your financial goals together, with a whole lot of care and a dash of fun!

Ray Sheath

Director & Financial Advisor

Ray is an instantly relatable and highly motivated individual with a wealth of diverse life experiences to draw from. With over 22 years of front-line service in the NZ Police, including the rank of Sergeant, and two Queens Commendations for bravery, Ray's impressive background is a testament to his drive and dedication.

Ray's insight and empathy allow him to ask the difficult questions when needed, resulting in a thorough fact-finding process and needs analysis to assess his clients' personal and/or business situations. He is skilled in advising clients on ways of spreading the risk across multiple areas, specifically protecting their lifestyle, family & businesses. Married to Rhonda and with three adult children, Ray shares his home with three pets: a ragdoll named Toast, a Maine coon named Emmy, and a German Shepherd named Nino.

When Ray isn't working, you can find him at the golf driving range or at the table tennis stadium. He knows the importance of relaxation and taking time for oneself, and it's something he encourages his clients to prioritise as well.

Ray Sheath NZCFS L5 LDHI/RPL/Investments
Financial Advisor (FSP172944)
0274 986 699

Racquel Sheath

Financial Advisor & Kiwisaver Specialist

Introducing Racquel - our friendly, curly-haired redhead! Formerly a Professional Track Cyclist representing New Zealand, including at the Olympics and Commonwealth Games, Racquel joined our family Insurance business after retiring from the pro-sport scene in 2020.

Having grown up surrounded by Insurance, Racquel understands the importance of the right coverage when you need it most. She's passionate about helping you and your family navigate Insurance products and make informed decisions tailored to your needs. With Racquel, Insurance is approachable and straightforward - she'll guide you through the process with a friendly touch.

Racquel's expertise extends to KiwiSaver advice too! She knows the confusion that comes with planning for the future and is committed to helping you understand and maximise your KiwiSaver account. For expert guidance on retirement goals, Racquel is your go-to.

When she's not working, Racquel teaches Pilates Barre and enjoys spending time with her husband Jono, their two pups Luna and Esko, and their cat Frank. We're excited for you to meet Racquel and collaborate on finding the best insurance coverage for you!

Racquel Sheath NZCFS L5 LDHI/Investments
Financial Advisor (FSP764052)
021 298 6357

Rhonda Sheath

Compliance & Operations Manager

Meet Rhonda, one of the founding partners of Essential Financial Solutions! As the Operations Support Manager, Rhonda is the glue that holds it all together, providing crucial support to our amazing team of office staff and Insurance Advisors.

Married to Ray, with three adult children, Rhonda shares her home with three pets: a ragdoll named Toast, a Maine coon named Emmy, and a German Shepherd named Nino.

When she's not at work, Rhonda loves to travel and collect new experiences. She also enjoys spending time hanging with her Grandbaby, gardening, reading, and practicing yoga and barre to keep her mind and body in tip-top shape!

Rhonda Sheath
Compliance & Operations Manager
09 282 3961

Kate Holdaway 

Financial Advisor & Client Outcomes Champion

Kate has recently levelled up as a Financial Advisor with EFS, focusing on reviewing existing clients and ensuring they have the right policies in place to meet their changing needs. With her extensive knowledge of insurance & KiwiSaver products and a keen eye for detail, Kate is dedicated to providing top-notch service and helping clients make informed decisions about their finances.

Outside of work, Kate enjoys going on adventures with her daughter and exploring the beautiful country. She also loves reading and spending time at the lake in the summer, where she can paddleboard and wakeboard with her family and friends.

Kate Holdaway - NZCFS L5 LDHI/Investments
Financial Advisor (FSP1004310)
07 282 0791

Andrea Mudaliar

Financial Advisor

Meet Andrea, one of our dedicated Insurance Advisors at EFS. With a degree in Business Management and years of customer service experience, she brings expertise, leadership, and empathy to our clients.

In her personal life, Andrea alongside her husband Arty, founded their Automotive Repairs Business in 2008. As a Mum to three amazing and very sporty girls, she is engaged in her community by managing school netball teams and a women's Premier Football Team at Hamilton Wanderers. Andrea's compassion extends to animals too, she has fostered numerous amounts of puppies for the SPCA, highlighting her unwavering dedication to animal welfare.

In her free time, Andrea enjoys quality time with her family and friends, relaxing at the beach, and watching sports. Andrea ensures our client's financial dreams are met with compassion, expertise, and genuine care making her an invaluable asset to our EFS family.

Andrea Mudaliar NZCFS L5 LDHI
Financial Advisor (FSP1006237)
027 221 1442


Client Outcomes Champion

Meet Mikkayla, one of the valued members of our team at EFS! As our Client Outcomes Champion, Mikkayla is always eager to learn and grow, bringing a passion for helping people to everything she does. Her friendly and approachable demeanour makes her easy to talk to and ready to lend a hand whenever needed.

In addition to her work at EFS, Mikkayla is also a dedicated volunteer with St John Ambulance, providing essential medical assistance and care to those in need. Her commitment to helping others extends beyond the workplace, and we are proud to have her as part of our team.

When she's not busy at work or volunteering, Mikkayla loves to indulge in her passion for cars and spending quality time with her husband and son. Her energetic and adventurous spirit is contagious, and we're lucky to have her as part of our EFS fam.

Mikkayla McLaughlin - NZCFS L5 LDHI
Client Outcomes Champion

09 282 3959