Hi I used the Sydney mob. (Pymble) Paid the $500-ish for the financial assessment. It took 2 hours and the guy was very personable, but I got nothing out of it. Also you have to fill out forms so they know everything about you before you go, but of course in my case the guy I was supposed to see was replaced at the last moment with someone else who had not read any of my documents and found it difficult to get on top of all my bits and pieces – I never said my finances were straightforward A-B-C – which is why I was trying to get some really good advice from people who seemed to say they could think outside the norm. So I travelled for 2 hours in horrific Sydney morning traffic, was there 2 hours, paid $500 and wasted my day.