About Us

The Team

Financial Planners

French & Lowden have 4 qualified financial planners with more than 40 years of combined experience within the Financial Services Industry:

David French FChFP, ADFS (FP) AFP®

Ralph Lowden FChFP, ADFS (FP)                                                                                                                    

David Hayes B.Econ., ADFS(FP), AFP®

Sarah French DipFS FP

David French

David French

David commenced his financial services career in the UK in 1999. As co-director and founder of his practice, TNW Financial Services in 2004, David developed a very successful practice in Newton Abbot, Devon.

David brings a wealth of practical and technical experience. He attained his Fellow Chartered Financial Practicioner qualification in 2017 and his Diploma of Financial Services and Taxation Accreditation in 2009 whilst in the UK and his Advanced Diploma in Financial Planning in 2012.

David trains accountants in the the technical aspect of Financial Planning standards for Integrity Education Group. He has assessed and marked final Advance Diploma exams for Kaplan Professional and reviewed their technical guides for students.

David is an Associate member of the FPA (AFP®) and the AFA. He spends his free time playing golf, spending time at the gym, enjoying family life and walking his pet beagle Freddie.

Ralph Lowden

Ralph Lowden

Ralph has been a financial planner since 2003 and has vast experience in the UK banking sector servicing private client portfolios. He previously spent 14 years in retail and retail management.

Ralph attained his Fellow Chartered Financial Practicioner qualification in 2017 and his Diploma of Financial Services and Taxation Accreditation in 2010. He completed his Advanced Diploma in Financial Planning in 2012. He has completed his Diploma of Finance & Mortgage Broking Management and Certificate IV in finance and mortgage broking. He is also a member of the Association of Financial Advisers.

Ralph enjoys playing golf, cricket and supporting his two sons Jamie & Alex with their sporting pastimes.

David Hayes

David Hayes

David has a Bachelor of Economics from Monash University, and Advanced Diploma in Financial Planning, and is an AFP® member of the Financial Planning Association of Australia.  He has more than 20 years’ experience as a professional consultant and adviser, including nine years with leading consulting firms including Deloitte Consulting and Pricewaterhouse Coopers (PwC), in Australia, New Zealand and South-East Asia. 

He has been a financial planner since 2007, including four years as a Senior Financial Planner with Westpac providing advice to clients across Gippsland.  David has extensive experience providing advice to small businesses, families, and individuals, particularly in relation to wealth creation, taxation strategies, superannuation and retirement planning and risk insurance.

David and his partner Karen live on their beef farm near Loch, having embarked on a tree-change from Melbourne to the rolling green hills of South Gippsland in 2007.  David is the proud father of Patrick, and outside of work enjoys scuba diving, sailing, and forever learning more about farming.

Sarah French

Financial Planner & Practice Paraplanner

Sarah French

Sarah interprets strategies and legislative guidelines to prepare David and Ralph's client facing financial planning advice documents. She holds the Diploma in Financial Planning qualification (DipFS FP) and comes with over 10 years experience as a Paraplanner.

Sarah is also a keen golfer, enthusiastic gardener, enjoys reading and loves to spend time with David and their children.


Sharon profile

Office Manager

Sharon Lowden

Sharon over sees the smooth running of the office. She has previously run her own finance administration business, which holds her in good stead to ensure the needs of our clients comes first. Sharon also ensures that the detailed client reports required for our ongoing client advice process are completed to an exacting standard.

Sharon also loves her golf and is a keen jogger, she can often be found running with the family's pet dog Tilly.


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