text: Norman Sinclair – MFinPlan, AFP ASIC No. 249943.
  Kyle Medson – CFP, BCom (FinPlan & Inv) ASIC No. 328912 SFG Capital Holdings Pty Ltd trading as Sinclair Financial Group, ABN 42 609 798 469
  Authorised Representative of Oreana Financial Services Limited
  ABN 91 607 515 122, Australian Financial Services Licensee No. 482234
  Registered Office Level 7, 484 St Kilda Road Melbourne, Victoria 3004 Australia
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