Hi Jamie,

Thanks for the reply.  Points 1 & 2 of your response are kind of mutually exclusive though, aren't they?  This is part of what I'm trying to understand as fully as possible – both are avenues I see benefit in, but which do I choose since I can't do both??

My current broker seemed very good when he first helped us with our current place, but this is also why I'm trying to gather as much information as I can – so we can have a more informed discussion and I'm better placed to know whether he's really able to help us or doesn't understand investment structures as much as I need him to…

Cheers!