Company Profile

CARM - Independently owned...leading innovator
CARM’s parent company, Bema Holdings Ltd. is independently owned by over 30 Shareholders most of whom are professionals in the personal financial services industry and leaders in their fields.

The business was created to build an innovative "Third Way" for the mass, Direct market to access meaningful advice...rather than forcing them to solely relying on either fund management companies or professional advisors.

Since "going live" with its flagship application in 2004, CARM’s clients have included insurance companies, banks, dealers, financial planners and DIY Direct customers doing their own wealth planning online. Over 12,000 Direct Users have done their wealth planning over the last 2 years.

CARM can count among its institutional clients AMP, UniSuper, Australian Super, Count Financial, Auscoal and Lifespan.

OUR Mission
why choose us

Our Mission
To provide Australians with the low cost tools and information they need to build and manage their personal wealth.
Our Vision
To be the leading Australian provider of online, goals based, personal financial planning software for both Direct Users and the professional adviser market.

OUR Work Team
who we are

Matthew Lock Matthew Lock
Matthew is a founding Director and CEO of CARM. He has over 20 years experience in the financial services market as both a private client adviser and consultant to the financial planning industry. Matthew has degrees in business and marketing and has extensive experience in strategic planning.


Paul Resnik Paul Resnik
A founding Director of CARM, Paul is also one of Australia’s most highly regarding consultants to the financial services industry in Australia. Paul has worked for most of Australia’s largest Banks, Dealerships and Insurance companies and has been an innovator and leading industry commentator for over 20 years.