David Goodman FCA david@pivotalfps.com.au Martin Ball FPA (Aff) DipFinAdvising SIA (Aff) martin@pivotalfps.com.au Pivotal Financial Planning Services Pty Ltd (ABN 27 064 272 582) Suite 16, 1st Floor, Stanton Place, Cnr Stanton Rd & Captain Cook Hwy, (PO Box 472) Smithfield,Queensland, 4878 Tel: Fax: 07 4038 8800 07 4038 2283