Kristy Lambert

Founder & Financial Adviser

I believe that financial security is essential to a happy home. As a mother of three, I understand the challenges and uncertainties families face when planning for the future.

My own family has relied on having quality insurance, and we would have been financially ruined without it. 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.

No matter where you are in your financial journey—whether you’re planning for retirement, managing an insurance claim, investing for the future, or maximising your super—my team and I are here to make the process smooth and stress-free.

Contact me now to book your free "discovery call". We’ll discuss how we can help you achieve financial peace of mind and confidence, so you can take control of your financial future.

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

Ryan Lambert

Finance & Mortgage Broker

Lucid Lending Solutions Pty Ltd

After 15 years working as an electrician, I’ve made the exciting move into mortgage broking. My background in a hands-on trade has shaped the way I approach helping people—I believe in clear communication, practical solutions, and making things as straightforward as possible.

Whether you’re buying your first home, refinancing, or planning your next move, I’m here to help you navigate the process and find the right loan for your needs. I’m backed by a team of experienced mentors and advisers who share their expertise to ensure I deliver the best possible outcomes for my clients. Together, we’re committed to making your home loan experience seamless and stress-free, so you can focus on what matters most.

Lucid Lending Solutions Pty Ltd ABN 40 676 330 911 is an Accredited Member of the Mortgage and Finance Association of Australia (MFAA). Ryan Lambert is a Credit Representative (Credit Representative Number 563206) of Mortgage Specialists Pty Ltd (Australian Credit Licence Number 387025)

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.