End of year time for us Accountants and Financial Planners can be a real handful at times. No matter how many times we tell clients they always leave planning to the last minute.

When you are sitting down in front of a client with hundreds of thousands of dollars of taxable income that they need to get rid of with a few days before June 30th it is really easy to see why so many advisers take the easy way out and place their clients funds into Agri investments! In the office we are not taking that option and instead looking at more complex multi product strategies with a range of capital protected products that are based on equities.