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Intrinsic Financial Planning is an Authorised
Representative of Financial Services Partners Pty Ltd.
ABN 15 089 512 587 | AFSL 237 590

Our team

Our team will work with you to assist with your wealth management, wealth accumulation, wealth protection and wealth transfer needs.

Carl Warmeant

Carl Warmeant

Adv DipFS(FP) DipFS(FP)
CEO, Senior Adviser

Authorised Representative
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Carl was awarded 2013 Adviser of the Year and was also Adviser of the year for Client Service in 2008, runner up in 2006 and 2007, and was a finalist for Practice of the Year in 2013.

Carl commenced financial planning in 1991 and is passionate about helping his clients grow their wealth. He is committed to achieving strong outcomes for his clients that can help them achieve their goals. He not only helps clients grow their wealth but also looks at ways of protecting their assets through advising on the best levels of insurance coverage.

Carl believes in ongoing education and likes spending time with his family exploring the far reaches of South Australia including its wineries.


Tammy Warmeant

Tammy Warmeant

Executive Manager

Tammy started with the Commonwealth bank in 1985 in a senior Lending Manager role before joining Intrinsic Financial Planning in 2000. She is passionate and committed to the growth and development of the business and delivery of great service to its clients demonstrated by receiving the ‘Customer Service Award SA Winner 2011/12.

Recently, Tammy was recognised with the prestigious “National Practice Manager of the Year Award 2018” by the Licensee (Financial Services Partners) at the annual iLearn Conference held at the Gold Coast in February 2018. Tammy’s achievement is exemplary from the perspective that she was one of five practice managers nominated nationally for a level of performance that was in a class of its own. Highlights of Tammy’s nomination include:

  • Exceptional people skills
  • Integrity of character
  • Enthusiasm to provide the best personal attention to clients and staff
  • Focus on driving ethical solutions at all times

Tammy’s business acumen and personal philosophy combine to showcase one of the reasons that Intrinsic Financial Planning continually rates highly for its professional, caring and personal approach to financial advice.

Most importantly, Tammy is passionate about her family and loves to cook, specialising in Italian cuisines and is devoted to her two growing boys. Travelling and exploring as much of the world as possible is another passion.


Stephen Michalak

Stephen Michalak

Adv Dip FP
Financial Adviser

Authorised Representative
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Stephen’s career has been wholly inside the financial services sector. Stephen commenced as a life agent with City Mutual Life and then progressed to manage branches of credit unions and finance companies (including a 2 ½ year stint in Alice Springs).

In 2001, Stephen regularly appeared on live morning television and radio, promoting one of Adelaide’s top financial planning practices at the time. He then undertook various qualifications in Financial Planning administration and advice, as well as a qualification in adult vocational training and assessment. With these skills, Stephen enjoys making concepts (which at times are complex), simple to understand and practical to put into everyday use.

Stephen’s focus in financial planning is to understand your values and the things in life that are important to you. His next step is to work with you to prepare a plan that protects your values and enhances your chances of achieving your objectives.

Outside of work, Stephen holds a senior position with a fraternal organisation and is a volunteer at the Hutt St Centre for the homeless.

He and Jenny have been married for more than 35 years with two sons. Family life is important to Stephen and he enjoys reading, movies and fine music.