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Disclosure: Clive Harris and Associates trading as Minerds Bell Consultancy Group and Prophecy Wealth Management ABN 97 008 163 is a Corporate Authorised Representative of Charter Financial Planning Limited ABN 35 002 976 294. Australian Financial Services Licensee, Licensee Number 234665. Disclaimer: This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.