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Clients seek out Charmian when they need help understanding how the financial services regulations impact their business – compliance sign-offs and product development/disclosure are her specialty. 

She also provides corporate advisory services, including corporate structuring and succession planning and contract reviews. Charmian has a broad range of experience in business sales, acquisitions, shareholder and joint venture arrangements.

Charmian’s pragmatic and consensus-based approach to legal and compliance issues and cost effective service delivery is what clients like best. Her ‘down to earth’ attitude and superior skills in contract review and drafting is what gives The Fold the edge!


The Fold Legal has provided specialist regulatory, corporate and commercial legal advice to financial services and credit businesses, Australia wide, since 2002.

Navigating the complexities of financial services, credit legislation and regulatory compliance can be daunting. Keeping up to date is exhausting. We want to make it easy. We tailor every response to make it relevant to you – never too technical, never too brush stroke, always pragmatic and accurate.

Because we’ve been doing this for more than a decade, we can turn your work around fast, accurately and cost effectively. 

Charmian advises a broad range of industry participants, including brokers, insurers, underwriting agencies, financial planners and discretionary mutuals.


Providing cost-effective legal services for:

Small-medium businesses

Small-Medium Businesses


Corporate & Enterprise

In-house legal

In-House Legal





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