We met with Justin to review our financial affairs and seek some some investment recommendations, We were impressed with Justin's knowledge and his professionalism. Justin prepared a financial plan based on a fee for service arrangement and highlighted other areas in the plan that we had not previously considered such as personal insurance and the importance of updating our wills and powers of Attorney. The plan detailed ways we can invest tax effectively, recommendations on consolidation of multiple super accounts, comprehensive recommendations on personal insurance and we addressed estate planning issues. We found Justin a real pleasure to deal with. Thanks Justin