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Thankyou everyone for your thoughts and opinions, they are really appreciated. I don't know what path we are going to take, but you've all given me a number of options to consider that hadn't come up in our personal discussions. Cheers Buddybee

I hear and to some extent agree with what you say tobe. Shares is poor wording on my behalf - shares is one part of the equation, but not the entire equation. Prior to meeting the FP; hubby and I had spoken "generally" about a wide range of investments including adding 3-4 more IPs, Gold...

I know that many of you don't use/don't approve of or haven't found a FP you are happy with; but I've found a FP that I'm comfortable with and am in the process of doing my DD but am having problems determining/benchmarking the cost. I will seek out a 2nd and/or 3rd planner to benchmark myself...