Paul Stephan, Daryle Mann and NetWealth Pty Ltd ACN 119 484 043 trading as Finnerty Mann Stephan Financial Planning are Authorised Representatives of Consultum Financial Advisers Pty Ltd, ABN 65 006 373 995, AFSL No. 230323, an Australian Financial Services Licensee, Suite 803, Level 8, 309 Kent St Sydney NSW 2000