Our Team

Karl Bower Headshot Black&White.jpg

KARL BOWER, MAnaging director

I travelled all over the world after growing up in country Victoria and in 1998 I settled in Melbourne. Learning new things, achievement and travel are things drive me from a personal level but it's family that fulfils me and it's what gives me a sense of purpose. Teaching my daughter about the virtues (and pains) of golf is high on my list of longer term priorities and ensuring her football colours remain unchanged, in a family environment that contains persuasive relatives, is a task that requires constant vigilance. I am the Principal Advisor & Managing Director at Bower & Co. and I am here to help.

Melanie Tobias HeadShot.jpg


My family and my career in lending have taken me from Geelong to Melbourne and then onto Sydney and back to Melbourne again. I have three beautiful children and a hubby and the four of them keep me busy and completely happy outside of work. I enjoy solving problems and creating effective structures for our clients. I have known Karl since 2002 when we worked as Lending Managers at St George Bank and I have worked with him in my current role since 2008. I am the Credit Manager at Bower & Co and I'm here to help.

Shiela HeadShot Black & White.jpg

Shiela Aguila, Client Services

I grew up in San Jose, Batangas, Philippines and I studied at the University of Batangas, graduating with a Bachelor of Science (Accounting) in 2009. I also completed a Diploma of Financial Advice in Australia and I am Certified Practicing Accountant in the Philippines. I like spending my weekends with my family and friends. In my spare time, I enjoy travelling, hiking and watching movies/anime. I love working where I am right now as Iā€™m getting the opportunity to work with great people. I enjoy my work as I am learning new things and being positively challenged every day. I am the Client Services Officer at Bower & Co and I'm here to help.