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IMPORTANT NOTE: I (CHRIS CARLIN) WILL BE IN NEW ZEALAND FROM DECEMBER TO MARCH TO CELEBRATE CHRISTMAS WITH MY WIFES FAMILY AND ALSO OUR FIRST CHILD IS DUE IN FEBRUARY. BY LAW I AM UNABLE TO SIGN UP NEW CLIENTS UNLESS I AM IN AUSTRALIA. I AM MORE THAN HAPPY TO HAVE AN INITIAL CHAT ABOUT YOUR SITUATION WHILE I AM IN NEW ZEALAND, HOWEVER WE WILL NOT BE ABLE TO PROVIDE ADVICE UNTIL I RETURN TO AUSTRALIA. THANKYOU FOR YOUR UNDERSTANDING AND APOLOGIES FOR ANY INCONVENIENCE CAUSED.