Garth joined MST Financial in 2023, with over 15 years' experience working in financial markets across South Africa, Singapore and Australia. Before joining MST, Garth had spent 9 years on the buyside as an equity analyst at both Foord Asset Management and Adam Smith Asset Management, prior to which he worked in audit across a number of sectors. Garth holds a Bachelor of Commerce from Rhodes University, is a CFA charterholder, a CAIA charterholder and is a Chartered Accountant. Garth Francis is an authorised representative of Retail Mosaic Pty Ltd, which is an authorised representative of MST Financial.