Congratulations - site looks great and I feel it's going to be of tremendous benefit to us all. We have some investment properties which have done quite well over the last 4 years (lucky timing) as well as Navra shares and some money invested in the Navra share fund. Unfortunately we started investing a bit late in life because we had not realised we could actually use the equity in our PPOR to improve our situation. Have some good equity in the properties, not a great deal of super and pretty average incomes. In other words, not enough to live on yet but too many assets to qualify for the pension in a couple of years Problem is we are fast approaching the senior years and need to start doing some retirement planning. Is anyone able to pass on some recommendations of people who are good in this area and can provide solid advice which we can use in conjunction with Steve's structures. We need to do some more work with Navra but would like to educate ourselves in planning for retirement so we can make informed investment decisions taking into account the overall picture.