Our Team

Phil Cresp Adv Dip FP
Authorised Representative of Charter Financial Planning, License Number 234665
Financial Planner


Phil has considerable financial planning and business experience with numerous years of business ownership and management. Phil founded OYT with the sole premis of helping each client own their tomorrow through proven principles and dependable relationships. Phil enjoys spending precious time with his fast growing kids, family and friends more often than not either on the beautiful river or at home with a wine.

Derek Schutz Dip FP, GDipFinPlanning, MoFP
Authorised Representative of Charter Financial Planning, License Number 234665
Practice Manager & Senior Financial Planner


Derek our Practice Manager & Senior Adviser is located in Berri. He has had over 25 years in Financial Services with over 16 years specialising in Financial Derek has had over 25 years in Financial Services with over 16 years specialising in Financial Planning in predominantly rural locations following on from his banking career. Derek has completed a Diploma, Graduate Diploma and Masters degree in Financial Planning.

Derek is a holistic adviser providing strategic advice in, but not limited to, Superannuation, Investments, Retirement, Centrelink and Wealth & Asset Protection (Risk Insurance). On a personal level Derek enjoys spending time with his fast growing up family, socialising with friends, fishing and of course plenty of sport albeit watching now days.

Sara Clarke Dip FS (FP)


Sara has a considerable and diverse experience from many years paraplanning with firms in Adelaide as well as the last 4 years with Lehmann Flanigan and of course now OYT Wealth.

Sara is responsible for the bringing the advice to life by way of strategy preparation and research, drafting advice documents and keeping up to date with the forever changing legislation and changes to today’s superannuation environment. Sara enjoys nothing more than a good book and a nice glass of wine on a lazy Sunday afternoon.

Melanie Lush Dip FS (FP)
Client Service Officer / Manager


Melanie has seen considerable years within the Financial Planning and Taxation industries more recently achieving 10 years with LFFS. Originally beginning as a administration assistant and after extensive experience and education Melanie now oversees the compliance and client experience areas with much success. Melanie enjoys spending time with family and friends whenever she gets a chance.

Ebonie Cresp
Accounts Administrator / Client Service Officer
Ebonie is relatively new to the financial planning industry having had broad experience within business administration and account keeping over many years within the Riverland. Ebonie is responsible for the day to day operations of the front office providing valuable support whilst being responsible for client data integrity,
iaising with Insurance and Investment Companies and ongoing friendly, efficient customer service. Ebonie enjoys nothing more than appreciating great food and wine with family and friends over lazy weekend afternoons.

Taxation Rulings and documentation search

Get ASX Prices