I would like to thank you for all the advice and assistance during the time I have been with Nupath. I would not be in the position I am now of thinking of where I want to be in the next five years as I move towards retirement, I feel I am in a different position now and am more confident in my financial future as I move forward debt free.

- D Wrembeck, Wavell Heights

What about our business surprised you the most and is there anything we could have done differently? We loved everything that Nupath has done for us so I don't think there is something else you could have done.

- J&M Smyth, Marulan NSW

What has exceeded your expectations in cashflow management since working with us? That we really did not have to change very many things in our lives to get these results, just understanding where your money is and how to use it makes all the difference.

- K. Pilkington & J Hageman, Kellyville NSW

How did you initially feel about working with Nupath and our cashflow management service? How easy it was to follow and understand -Great guidance. What do you like best about our cashflow management service? How easy it is and how productive it is when followed.

- S Rose & J Zischke, Victoria Point QLD

Hi Mathew Thanks for your time last week. It was time well spent. We have already taken in the advice you gave us regarding bank accounts and the way to utilise them better. Also spoken to our son Andrew and we are very interested in the options for the future. On a personal note I would like to say how at ease we felt with you. I have worked for sales organisations for over 20 years. We felt real at ease with you approach and manner. There was no "Hard Sell" and we liked that approach. You "actually listened to us" rather than pushing a product or agenda. We hope that we will continue this professional relationship and we fell really positive that you truly have our interests at the forefront of your meetings. We look forward to working with in the very near future. Thanks Rob and Andrea Lewis

- R&A Lewis

We are so greatful to Matt, Gus, lauren & Anne for all the advice, encouragement and know how to manage our finances and to pay off our mortgage sooner. We never in a million years thought we would own an investment property.... just by taking control over our money and budget we have bought our first investment and looking forward to owning more. We can’t recommend Nupath enough. Go on take the plunge you won’t regret it!

- K&C Jackson, Caboolture QLD

My husband and I were first contacted by a Nupath representative towards the end of 2017. We were interested in buying an investment property. The team from Nupath spent time searching for a new-build in the area that we wanted to invest in, and from A-Z have been there to answer our questions, and make the whole process SO painless for us. The team of professionals that they work with, from consultants, mortgage brokers, builders, to solicitors through to the suggested real estate who will put our place up for rent have all been amazing to work with. Prompt, helpful and motivated. Due to the developers (Stocklands) running behind schedule we are just commencing the build now, however this had nothing to do with Nupath, and they were up front and helpful about everything, including giving us the option to back out with a full refund of the builder's deposit we had paid. The delay wasn't an issue for us, so we decided to stick with the plan. In the end, the delay meant that my husband and I were able to keep saving over the subsequent year and a half, and are now on track to have our own home paid off in just under a year (instead of in about 4.5 years, as we were on target to do using our own methods of overpaying our mortgage), and will have the investment property paid off in under 9 years. I have only good things to say about the team members I have worked with during this time - Trent, Lauren and Anne - they have been honest, up-front; have made extra trips to visit us and talk us through everything all over again (!), and have ensured that all we've really needed to do is sign documents, and open some new bank accounts. I actually can't believe how smooth the whole process has been. I would certainly recommend Nupath to anyone considering entering the investment property market. Thanks to everybody we've dealt with so far, you've been amazing! Claire & Laurent Pavailler, Brisbane QLD

- C&L Pavailler, Margate QLD

Thank you NuPath! We have had a financially crazy few years (new baby, wedding, bought and sold home) and we did not think it was possible to get our finances on track. Queue NuPath: You came along with a team of professionals all ready to help. You knowledge is amazing and you somehow turned our finances around. Who thought we would ever own an investment property? I know once I get back to work after maternity leave we will move forward in leaps abd bounds towards a mortgage-free future! Thanks again!!

- C Palmer & N Luby, Parklands QLD

Dan and I want to say thank you to you and your team. We are so grateful for the help we have had over the past 12 months from the build of our investment property to sorting out our loans. From day one when we received a call introducing us to Nupath, to meeting Matt in our home, to then meeting Trent who encouraged us even more to take the leap, to then meeting Lauren and yourself. We really weren’t sure what we were getting ourselves into but every step of the way you guys were there to take our calls and talk us through any questions we had. So many people have asked how we built a second house and if it was stressful and were there lots of hidden costs. For Dan to say it wasn’t stressful at all says everything and we know we made the right decision seeing you guys when we did. We have recommended and will continue to recommend NuPath to anyone that asks. So from Dan and myself, thank you for helping us take the next step in setting up a future for our family. We will definitely be back to see you guys when we are thinking of doing this all over again.

- D& D McEwan, Merrimac, Gold Coast QLD

We have nothing but a fantastic experience with NuPath. From our first meeting everything was explained and all information & guidance we have received has been very positive in helping us towards our future and our goals. We highly recommend you giving these guys a go..

- M&K Spinks, Ormeau, Gold Coast

I am Rebecca Musgrave. I am 41 years old and I have been married to my husband Michael for almost 11 years. In this time we have had 3 beautiful children ages 8, 6 and 2. We are both employed full time (although I do work part time) and live in the heart of Sydney’s North West. So as you can imagine, everything is expensive. . We were first contacted by Nupath in July 2017. Our youngest had just turned 1. Life was extremely hectic but both my husband and I wanted to find out if we could better ourselves financially. See, we had been told by our tax accountant for a number of years that basically we were wasting so much of our money and we had the financial means to branch out into the property market.....But all we could think about was.....”We live in Sydney. We could barely afford the house we had, how could we possibly afford another!” Don’t get me wrong.... we are not “poor” but we were going no where really. Living in the financial “rut”. Go to work, get paid, pay bills and go back to work to do the same thing week in week out. . We often thought and spoke about how hard it would be for our children to afford to live and buy a property in the future. How could they possibly afford to do it when we were just hanging on. . So after our first meeting with Nupath my husband and I spoke in depth and decided that if we didn’t do something now, we never would. We had 8k in the bank and that was it. When you look at it...yes it was a risk. But living is a risk and we no longer wanted to live with the “what if” regrets. . So let’s fast forward 16 months.... We took the plunge and completely changed our way of life and lifestyle. With the help of Nupath we went into depth with our expenses. What money was coming in and what we were spending it all on. What was a necessity and what wasn’t!! What expenses could we reduce without giving up too much. We had a budget plan set for us and we did our absolute best to stick with it!! (Something that was very foreign to both of us!!) . We purchased and built and investment property in Queensland which has been successfully tenanted for over 12 months. . We live on a budget and now account for all of our expenses.... In doing this we found out how much money we really “wasted” on nothing in particular!!! . We make a conscious effort to make time for each other and treat ourselves to a night out every month. . We live off a Credit Card which we have working for us by earning Frequent Flyer Points for our favourite airline with the view of using these points to help pay for our next family holiday. And we are well on our way to achieving this!! . And the best part: we went from having $8k in our bank account to over $50k in just 16 months. We are making this money work for us by reducing the mortgage on our Sydney home. . Looking back on the last 16 months we have no regrets on our decision. It has taken a lot of hard work and dedication.... something we couldn’t achieve without the support of Nupath and Anne. All we now do is look forward to our future, building a property and financial portfolio to pass onto our children.

- R&M Musgrave, Kellyville Ridge NSW

Using NuPath Cashflow management has given us peace of mind that someone is helping us manage our expenses. We now have a good idea of our fixed & discretionary expenses and can make better choices when spending. We set a goal to payout our home loan mortgage in about 2 years by saving into the associated offset account & at our last regular meeting with the NuPath team we have realised that dream! NuPath have also helped us find a way to budget for new spending initiatives and still keep on track with our budget. We recommend the team at NuPath and their cashflow management software. NuPath has made investing for the future more comfortable for us by knowing we are working with a team.

- T&D Mandelkow, Manly West QLD

I was at a crossroads I knew what I wanted to achieve for my financial future but was not quite sure how to achieve it without learning the hard way. I then met the team at NuPath by chance. Matt came around and asked me what I wanted to achieve financially, my two big ones reduce my tax and pay the mortgage off as quick as possible. The team move fast so expect things to happen quickly, they are friendly, efficient and always act on your best interests. I have now been with NuPath for 12 months and have benefitted immensely achieving the reduced tax and definitely on the road to paying off the mortgage quicker than I had expected. The goals they set are measurable and achievable without being a burden. I have now reset my goals as I have achieved the first two and now I can see the original target was a drop in the ocean to what can be achieved. I would recommend NuPath to anyone, whether you are a beginner who wants financial freedom or someone who wants to set up for retirement, they will definitely point you in the right direction and set you up for success and give you all the support you need. I have 5-10 years until I retire and now with NuPath's assistance I will be able to retire without the worry of not being able to live how I want.

- I. Large, Burpengary QLD

Thanks for our review today, it has showed me where we are spending our money and also where we need to tighten up.

- B&D Avery, Mudgereeba

We very much thank you for your help. You have given us the tools to move forward, and take on board ALL you have said to us, and with your guidance .

- G&C Ancrum, Highland Park QLD