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Money Rules OR Money Rules
By Hamish FergusonEducation
Money Rules OR Money Rules episodes
- Can You Actually Afford to Have Kids? #35
Can you actually afford to have kids, or does it just feel impossible right now? Vision's Ashleigh Dodt, a working mum of two, and Tyler Clarke, who's still weighing it up with his partner, talk with Alex McBain about the money side of starting a family: the emergency buffer, parental leave, daycare costs, renting versus owning, and whether one income can stretch. A Professional Perspectives conversation that won't hand you a magic number, but shows why there isn't one, and how couples can work out their own.
Key Takeaways:
* The Emergency Buffer: Both specialists describe a savings buffer as the foundation of planning for children, because it absorbs lost income, lease changes and the surprises that keep coming.
* The Leave Gap: Government paid parental leave generally replaces only part of a usual wage and runs for a limited period, so couples often plan for the gap it leaves.
* Choosing the Trade-offs: Deciding how much to put towards a home and how much to keep aside for leave is an active choice, and the right balance varies between couples.
* One Income or Two: Whether a household can manage on one income for a while, or needs two, shapes how much flexibility a couple has around leave and childcare.
* No Universal Number: There is no single savings figure that makes a couple ready, though running their own numbers can give a useful estimate of how long savings might last.
Notable Quotes
- "What are we saying yes to today? But what does that mean we're saying no to in the future?" Ashleigh Dodt
- "I would argue potentially that external factors have robbed me of that choice a little bit." Tyler Clarke
- "These are conversations that small families and parents can be having on their own as well." Alex McBain
- "Some goals can't be achieved without trade-offs." Alex McBain
- "It's really important just to keep continuing to have those conversations together and put a plan together on how you might like things to look" Ashleigh Dodt
- "I think there's this common misconception that potentially it has to be the mother who stays home. It can be a bit of both" Tyler Clarke
Reach out to us at: https://visionws.com.au/podcast/
Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/
Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/podcast/
Find our podcast on your podcast platform:
Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113
Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275
Youtube: https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw
Find Us On:
- Facebook: Vision Wealth Strategies | Mount Hutton NSW
- Instagram: https://www.instagram.com/visionwealthstrategies/
- LinkedIn: linkedin.com/company/vision-wealth-strategies
- YouTube: https://www.youtube.com/@VisionWealthStrategies
- TikTok: https://www.tiktok.com/@visionwealthstrategies
- Website: https://visionws.com.au/
General Advice Warning
The information in this podcast is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Infocus Securities Australia Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.
Financial Services Disclosure
Vision Wealth Strategies operates through FNP Solutions Pty Ltd ABN 87 156 409 531, Corporate Authorised Representative No. 428286 of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, AFSL No. 236523.
29 min - Negative Gearing Changes: Property Debated #34
Is property still the investment Australians should reach for first? Two Vision advisers disagree. Luke Kaprilian is against property at today's prices, while Hamish Ferguson still sees a place for it. Alex McBain draws out both cases, from housing supply and bank lending to what the negative gearing and capital gains tax changes could mean for investors. A Current Conversations episode that won't tell you what to do, but shows what's worth weighing up: cash flow, time frame, flexibility, and how much sits in one asset.
Key Takeaways:
* Gearing Explained: Luke argues that much of property's strong track record comes from how much banks will lend against it, not from the asset itself outperforming.
* Time Horizon: Both advisers agree property generally needs to be held for a long stretch, and being forced to sell early is where people tend to lose out.* Depreciation Misconceptions: Depreciation deductions exist because fixtures wear out, so treating the tax refund as a bonus can leave nothing set aside for replacements.* New Builds and Location: The tax changes discussed favour new builds, which can steer investors towards units or outer areas with different growth prospects.* Concentration Risk: A single property is one asset in one place, and how much of someone's wealth sits there depends on their own cash flow and circumstances.Notable Quotes:
1. "I'm not anti-property. I am anti-property at these prices." Luke Kaprilian2. "It is a class that has proven itself over time but to go into it without understanding the risks is foolhardy." Hamish Ferguson3. "Is that a blanket statement for everyone or applicable to your circumstances?" Alex McBain4. "The thing that allows property to stand above and beyond those other classes is the fact that the banks will lend so much money against property." Luke Kaprilian5. "When you buy a property, you're buying one thing." Hamish Ferguson6. "It's going to be dependent on everyone's individual circumstances." Luke KaprilianReach out to us at: https://visionws.com.au/podcast/
Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/
Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/podcast/
Find our podcast on your podcast platform:
Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113
Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275
Youtube: https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw
Find Us On:
- Facebook: Vision Wealth Strategies | Mount Hutton NSW
- Instagram: https://www.instagram.com/visionwealthstrategies/
- LinkedIn: linkedin.com/company/vision-wealth-strategies
- YouTube: https://www.youtube.com/@VisionWealthStrategies
- TikTok: https://www.tiktok.com/@visionwealthstrategies
- Website: https://visionws.com.au/
General Advice Warning
The information in this podcast is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Infocus Securities Australia Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.
Financial Services Disclosure
Vision Wealth Strategies operates through FNP Solutions Pty Ltd ABN 87 156 409 531, Corporate Authorised Representative No. 428286 of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, AFSL No. 236523.
30 min - First Pay Rise: What To Do With It #33
A pay rise feels like a reward. It is also a decision, and the one you make early tends to set the pattern. Alex McBain sits down with Vision's Ashleigh Dodt and Tyler Clarke to unpack what happens when your income goes up: where an extra dollar can do the most work, why superannuation gets overlooked, and how lifestyle creep quietly absorbs the lot. An educational conversation about giving every dollar a job, and why your pay lifts your bank balance while your decisions lift your wealth.
Key Takeaways:
- A pay rise is a decision, not just a reward: Both specialists framed the first meaningful increase as the point where spending and saving patterns tend to set, which gives it more weight than the amount alone suggests.
- Lifestyle creep is ordinary, not a failure: Extra income gets absorbed into everyday costs before anyone consciously decides anything. The episode treats noticing it as more useful than resisting it.
- Time tends to do more work than the amount: Small, consistent contributions over long periods were described as doing more than larger amounts started later, though what that looks like depends entirely on individual circumstances.
- Flexibility outlasts optimisation: The tighter a budget, the less likely it survives a month where several unplanned costs land together, which is why an emergency buffer does a different job from an investment.
- An expense ending behaves like a pay rise: Costs with an end date, such as daycare or a loan finishing, free up money with no announcement attached, which makes them easy to absorb without noticing.
Notable Quotes:
- "What is lifestyle creep?" — Alex McBain
- "You'll upgrade the car, find an extra dinner in the budget and suddenly it's not working for you long term" — Ashleigh Dodt
- "The pay rise is kind of a fork in the road. You either spend more on your lifestyle or you invest in your future." — Tyler Clarke
- "The more restrictive a budget is, the less likely they are to stick with it" — Tyler Clarke
- "Ask yourself what job do I want this extra money to do for us?" — Ashleigh Dodt
- "The pay will increase the bank balance, but your decisions will increase your long-term wealth" — Tyler Clarke
Reach out to us at: https://visionws.com.au/podcast/
Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/
Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/podcast/
Find our podcast on your podcast platform:
Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113
Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275
Youtube: https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw
Find Us On:
- Facebook: Vision Wealth Strategies | Mount Hutton NSW
- Instagram: https://www.instagram.com/visionwealthstrategies/
- LinkedIn: linkedin.com/company/vision-wealth-strategies
- YouTube: https://www.youtube.com/@VisionWealthStrategies
- TikTok: https://www.tiktok.com/@visionwealthstrategies
- Website: https://visionws.com.au/
General Advice Warning
The information in this podcast is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Infocus Securities Australia Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.
Financial Services Disclosure
Vision Wealth Strategies operates through FNP Solutions Pty Ltd ABN 87 156 409 531, Corporate Authorised Representative No. 428286 of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, AFSL No. 236523.
28 min - When to Stop Saving and Start Investing #32
Most Australians were told to save. Nobody ever said when to stop. Alex McBain sits down with Vision Wealth Strategies advisers Ashleigh Dodt and Luke Kaprilian to work through what saving actually does, the cost it quietly carries, and why investing brings risks of its own worth understanding. Emergency buffers, diversification, risk profiles, crypto, ETFs, and the difference between a loss on paper and a real one. An educational conversation about the point where saving alone stops doing the job, and what people weigh up when they get there.
Key Takeaways:- The combination of saving and investing provides a comprehensive framework for financial security and wealth-building, as savings serve immediate needs and investments cater to long-term growth.
- Understanding and aligning investments with personal risk profiles is essential, as it helps in making informed decisions that suit one's financial goals and comfort levels.
- Investing early, even with small amounts, can result in significant long-term benefits, with compounding potentially leading to much higher returns than regular savings accounts.
- While social media can be a resource for investment strategies, it’s crucial to verify information through reliable sources to avoid risky and poorly informed financial decisions.
- Financial advisors offer invaluable guidance by helping individuals identify their risk tolerance, manage emotions around investments, and stay focused on long-term objectives.
Notable Quotes:- "Savings and investing both work together. Savings act as our emergency buffer, while investing is really thinking about your future self and long-term goals." – Ashleigh Dodt
- "The biggest issue that I have with saving alone is that saving itself is inherently risky if you're not considering opportunity costs and inflation." – Luke Kaprilian
- "Time in the market beats timing the market. People need to get past their fear and perhaps get comfortable with the idea of investing early on." – Luke Caprilian
- "Don't let the time that’s gotten away prevent you from investing. It's never too late to start, especially as life moves to different stages." – Ashleigh Dodt
- "We manage the person, someone else manages the investments. Financial advisors help with emotional decisions and getting more out of you for better returns." – Luke Kaprilian
Follow Luke Kaprilian Insta/Facebook: @adviserlk
Reach out to us at: https://visionws.com.au/podcast/
Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/
Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/podcast/
Find our podcast on your podcast platform:
Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113
Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275
Youtube: https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw
Find Us On:
- Facebook: Vision Wealth Strategies | Mount Hutton NSW
- Instagram: https://www.instagram.com/visionwealthstrategies/
- LinkedIn: linkedin.com/company/vision-wealth-strategies
- YouTube: https://www.youtube.com/@VisionWealthStrategies
- TikTok: https://www.tiktok.com/@visionwealthstrategies
- Website: https://visionws.com.au/
General Advice Warning
The information in this podcast is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Infocus Securities Australia Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.
Financial Services Disclosure
Vision Wealth Strategies operates through FNP Solutions Pty Ltd ABN 87 156 409 531, Corporate Authorised Representative No. 428286 of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, AFSL No. 236523.
27 min - Rent or Buy? What Australians Weigh Up #31
Owning a home has long been the marker of getting ahead in Australia. But is it still? Alex McBain sits down with two voices from Vision on opposite sides of the question: one who bought in 2001, one renting now. They work through what the numbers look like week to week, why stability matters more than most people admit, and what the gap between rent and repayments could be doing instead. A current conversation about a decision most Australians are weighing, and the question underneath it: are you actually behind?
Key Takeaways:- Renting versus buying is a complex decision that depends on individual financial goals and life circumstances.
- Cultural differences between countries, such as Canada and Australia, influence perceptions of homeownership.
- The decision to buy property should factor in not just the purchase price, but also maintenance and stability benefits.
- Young professionals should focus on building a solid financial foundation before deciding to start a family or buy a home.
- Financial advise can offer crucial insights into making informed decisions about renting versus buying in today's economy.
Notable Quotes:- "Is buying or owning a house still what we should consider the financial goal for most Australians today?" – Alex
- "Owning property was definitely happening younger back then, but purchasing was entry-level." – Hamish
- "We seem to measure success here based on if you own a home." – Tyler
- "Homeownership forces you into that discipline of making a repayment each week." – Hamish
- "There are other avenues of investment that aren't just the property." – Tyler
Reach out to us at: https://visionws.com.au/podcast/
Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/
Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/podcast/
Find our podcast on your podcast platform:
Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113
Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275
Youtube: https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw
Find Us On:
- Facebook: Vision Wealth Strategies | Mount Hutton NSW
- Instagram: https://www.instagram.com/visionwealthstrategies/
- LinkedIn: linkedin.com/company/vision-wealth-strategies
- YouTube: https://www.youtube.com/@VisionWealthStrategies
- TikTok: https://www.tiktok.com/@visionwealthstrategies
- Website: https://visionws.com.au/
General Advice Warning
The information in this podcast is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Infocus Securities Australia Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.
Financial Services Disclosure
Vision Wealth Strategies operates through FNP Solutions Pty Ltd ABN 87 156 409 531, Corporate Authorised Representative No. 428286 of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, AFSL No. 236523.
33 min - #30 James Thomson - People, Politics and Priorities
Welcome back to the Money Rules or Money Rules podcast!
In this episode, our host Stephen Logan and co-host Hamish Ferguson chat with Newcastle local and driven entrepreneur, James Thompson,
James—a dedicated husband, father of two, and marketing professional with a passion for community engagement—opens up about the discipline of balancing people, politics, and priorities across both his personal and professional life. Alongside his marketing career, James is actively involved in politics as a member of a major political party.
Tune in for an inspiring conversation on navigating multiple roles and making an impact in the community.
*This material has been prepared for general information purposes only and not as specific advice to any particular person.*
Reach out to us at: https://helpmywealth.com.au/contact/
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au
Want to reach out to today's guest speaker or have any questions? Contact Help My Wealth: https://helpmywealth.com.au/contact/
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth
Find Us On:
- Facebook: https://www.facebook.com/HMWealth
- Instagram: https://www.instagram.com/helpmywealth/
- LinkedIn: https://www.linkedin.com/company/help-my-wealth/
- YouTube: https://www.youtube.com/@helpmywealth
- TikTok: https://www.tiktok.com/@helpmywealth
- Website: https://helpmywealth.com.au/
1 hr 24 min - #29 Murray Guest - Gallup Coach from CliftonStrengths
Welcome back to the Money Rules or Money Rules podcast!
Join our hosts Hamish Ferguson and Stephen Logan for their insightful talk with this week's guest, Murray Guest - and no, that's not a pun. Murray is a certified Gallup Coach from CliftonStrengths, which involves strength-based development in individuals and teams.
This unique spin on coaching focuses on what you're naturally good at and how to make that skillset brilliant - as opposed to trying to fix your weaknesses. Murray advocates that this style of improvement is a fantastic tool to knowing oneself better; learning your capabilities and motivations in life go a long way to helping your productivity, results and overall wellbeing!
This episode follows significant topics such as self value, life experiences, natural talent and a funny discussion over first jobs.
*This material has been prepared for general information purposes only and not as specific advice to any particular person.*
Reach out to us at: https://helpmywealth.com.au/contact/
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au
Want to reach out to today's guest speaker or have any questions? Contact Help My Wealth: https://helpmywealth.com.au/contact/
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth
Find Us On:
- Facebook: https://www.facebook.com/HMWealth
- Instagram: https://www.instagram.com/helpmywealth/
- LinkedIn: https://www.linkedin.com/company/help-my-wealth/
- YouTube: https://www.youtube.com/@helpmywealth
- TikTok: https://www.tiktok.com/@helpmywealth
- Website: https://helpmywealth.com.au/
1 hr 7 min - #28 - Greg Edwards - Just Do It
Welcome back to the Money Rules or Money Rules podcast!
On today’s episode, we dive into the uncertainty surrounding making big financial decisions. Should you, or shouldn’t you? If you ask our guest, Greg Edwards, he’d tell you to just do it! Greg was a mentor to our co-host Hamish, when even he was just a fledgling entrepreneur navigating the world of self-employment! Greg believes that life doesn't give free hand outs, and that people get what they work hard to achieve. Follow Stephen Logan, Hamish Ferguson and Greg Edwards to learn about an insightful mindset developed through multiple generations and transform it to shape your own success.
*This material has been prepared for general information purposes only and not as specific advice to any particular person.*
Reach out to us at: https://helpmywealth.com.au/contact/
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au
Want to reach out to today's guest speaker or have any questions? Contact Help My Wealth: https://helpmywealth.com.au/contact/
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth
Find Us On:
- Facebook: https://www.facebook.com/HMWealth
- Instagram: https://www.instagram.com/helpmywealth/
- LinkedIn: https://www.linkedin.com/company/help-my-wealth/
- YouTube: https://www.youtube.com/@helpmywealth
- TikTok: https://www.tiktok.com/@helpmywealth
- Website: https://helpmywealth.com.au/
1 hr 10 min - #27 - John Gilbert - Is Local Council Important?Welcome back to the Money Rules or Money Rules podcast!
Today, we meet with John Gilbert, Lake Macquarie Mayoral Candidate, to dive deep into the importance of Local Council. John has been on council from 2016 to 2021. After having a break, he's found the desire to get back into it and is now running for Mayor in 2024.
Why do we need so many layers of Government and what goes on from a local council point of view? Get ready to unpack this and more in today's episode.
Who is John Gilbert? John has been married for 35 years, has 5 children and has lived in Lake Macquarie all his life. "It's too good to leave and its a great place to raise your kids". John describes himself as a creature of habit.
*This material has been prepared for general information purposes only and not as specific advice to any particular person.*
Reach out to us at: https://helpmywealth.com.au/contact/
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au
Want to reach out to today's guest speaker or have any questions? Contact Help My Wealth: https://helpmywealth.com.au/contact/
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth
Find Us On:
- Facebook: https://www.facebook.com/HMWealth
- Instagram: https://www.instagram.com/helpmywealth/
- LinkedIn: https://www.linkedin.com/company/help-my-wealth/
- YouTube: https://www.youtube.com/@helpmywealth
- TikTok: https://www.tiktok.com/@helpmywealth
- Website: https://helpmywealth.com.au/
1 hr 14 min - #26 - Dr Jonathan Mansfield - Being Aware of Your Credit Score
Welcome back to the Money Rules or Money Rules podcast!
Today, Dr Jonathan Mansfield, a UON graduate and family man, with an extensive background in the finance industry. Dr Mansfield and Hamish will be diving deep into a credit score, and how it can impact your ability to obtain a bank loan. In this information rich episode, we will cover:
- The evolution of Credit Profiling legislation
- How financers at credit reporting
- What an optimal credit file should look like.
- The difference between poor "finance" and "good" finance
Tune in now for this unmissable episode!
*This material has been prepared for general information purposes only and not as specific advice to any particular person.*
Reach out to us at: https://helpmywealth.com.au/contact/
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au
Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/
Watch the podcast video: https://youtu.be/tPX83QlJ8Lg
OR
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth
Find Us On: Facebook: https://www.facebook.com/HMWealth
Instagram: https://www.instagram.com/help_my_wealth/
LinkedIn: https://www.linkedin.com/company/help-my-wealth/
Website: https://helpmywealth.com.au/
YouTube Channel: https://www.youtube.com/channel/UCAal5emLA8g4KlCpS3HcMmA
30 min
About Money Rules OR Money Rules
From the publisher's feed
MONEY rules or money RULES?
Money affects almost every stage of life, but understanding the decisions, strategies and rules around it isn’t always straightforward.
The Money Rules or Money Rules Podcast is an Australian finance podcast bringing financial professionals, specialists and guests together to cut through the complexity, challenge common assumptions and make sense of the financial decisions we face throughout life.
Each episode explores financial topics, strategies and questions from a general Australian perspective, helping make complex financial decisions easier to understand.
Whether you’re building wealth, planning for the future or simply trying to make better sense of your money, tune in for practical perspectives that help you ask better questions, understand what matters and approach financial decisions with greater confidence.
The information in this podcast is general in nature only. It neither represents nor is intended to be specific advice on any particular matter, and has been prepared without taking into account your objectives, financial situation or needs. Before acting on anything discussed, consider whether it is appropriate for your circumstances and seek appropriate professional advice. FNP Solutions Pty Ltd (ABN 87 156 409 531) trading as Vision Wealth Strategies is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049), AFSL and Australian Credit Licence No. 236523.