(G Baker, T Hughes, D Mills)

“Hey Chris, Just wanted to say a big thanks to you and the team for helping us with our refinance! Quick and quality service!”

“My debt manager here really helped me to plan a proper budget and reduce my debts over time. Great help.”

“Gave me help planning my budget which helped me a lot with my debt problems.”

“Needed help with a bit of debt I had acquired, spoke to these guys early on and they handled it with professionalism. Easy fix for my little debt problem.”

“get out of debt today help me consolidate my debts and gave me a budget which has meant my debt is now 75% less than what it used to be in only 6 months. extremely grateful”

“I had a small credit card debt but lost my job and was unable to pay it off. These guys gave me the time I needed to find a new job and got my debt payments reduced.”

“Helped give me the fresh start I needed, reduced my debts and were very professional.”

“We recently finished dealing with John and his team and where highly impressed with their knowledge and professionalism when dealing with our debt consolidation. They helped us plan a budget which worked perfectly for us and got our finances in order.”

“Chris and the team at chaptertwo helped my wife and I with our refinance. They were extremely helpful and provided a professional and knowledgeable service. They are completely transparent with their dealings which helped put us at ease, taking us through each step of the process.”

“DO NOT ENTER A DEBT AGREEMENT UNLESS IT IS THE ONLY AVENUE U HAVE LEFT!!! There are other options u must try first...... Debt Agreements cost u money.....stay away if u can !!! These guys helped me! Highly recommend”

“I would highly recommend using Bradfield Bentley if you want to get rid of your debts. They do a great job over there.”

“I had problems with my finances so I decided to get in contact with Bradfield Bentley. They really gave me great advice and stellar problem solving to get me over my debts. They did a great job.”

“Bradfield Bentley really helped me with my debt issues and I would like to thank everyone there that helped me do so.”

“DO NOT ENTER A DEBT AGREEMENT UNLESS IT IS THE ONLY AVENUE U HAVE LEFT!!! There are other options u must try first...... Debt Agreements cost u money.....stay away if u can !!! These guys helped me! Highly recommend”

“Being different requires conviction to stand against the herd and to be patient”

“Investors are the market. So if we behave like other investors, then we will only ever be average, The only way to create real wealth and beat the market is to be different.”

“John Abernethy is the Chief Investment Officer at Clime Asset Management. Originally formed in 1996, Clime is a boutique fund manager with approximately $500M under management. Proven to be one of Australia's top performing fund managers over the last several years, Clime offers individually managed accounts and a listed equities fund to investors looking for consistent long term returns. John is widely sought after for industry and market comment.”

“Abernethy attributes the fund's superior returns to good market timing and successful stock picking. It has also helped to be invested in some high yielding securities, which has helped boost overall returns in an otherwise low earnings growth environment.”

“The way we invest, using a return on equity model, stocks pick themselves. You just have to wait to buy them and then sell them when they are overvalued”

“I just want to thank everyone at Synergy Financials for all of your help. Such a great team of educated people. 5-star rating from me. ”

“Spoke with financial adviser Paul Turner. I have no hesitation in recommending Paul. Found him to be knowledgeable and a very friendly fellow!”

“without Louis from OFS Melbourne we wouldn't have been able to set up our retirement plan. The financial planning and advice they give is genuine and they really do care about you. The first place we went to where they haven't' tried taking advantage of us. ”

“We were having major problems in our business with our cash flow, trying to get customers to pay on time who wouldn't, until we turned to Sydney based AR Cash Flow who showed us exactly how we could turn our troubled debt issues into no debtor issues at all! Thanks AR Cash Flow!!”

“Very happy with Financial Spectrum financial planning. Very pleased that they are independent and don't earn commissions.”