Epona Financial Guidance,

2 Nelson Street, Ringwood VIC 3134

"We have been clients of Epona for the past 2 years and could not recommend them any higher. From the initial meeting we were blown away with how different they were to our previous financial planner. Their professionalism and value has been second to none. Michelle & David have provided a service that really deserves 10 stars. They assisted us with the correct insurances for our personal situation, a stress I didn't realise I was carrying until they were in place. Their advice comes with such a high level of care and professionalism. Never felt like a number, or another client. Both are such genuine people who are easy to get along with, they're respectful of our goals and patient in taking the time to explain anything that doesn't make sense. They have put us in touch with other professionals for wills and estate planning who have also not disappointed. We often say how grateful we are to have found Epona. We have recommended to friends and family, and will continue to do so. Thank you David & Michelle. Look forward to many years of working together."

"We engaged Michelle and David from Epona Financial Guidance to assist us with the set-up and management of our Self-Managed Superannuation Fund. We got great advice from Epona and have seen out fund grow as a result. We also have comfort in the fact that Epona advised us on an insurance and asset protection strategy that will cover us in the event of something happening to either of us. We safe in the knowledge that we are protected. We have no hesitate in recommending the team at Epona Financial Guidance. Brock & Amber Lynch"

"EPONA FINANCIAL GUIDANCE I have to be fair here and disclose that I have come out of a marriage separation and have for various reasons terminated EPONA’s services. THE OWNER IS LISA. She is a fine person. I personally felt (my subjective view) that at least on one occasion she told us ‘what we wanted to hear’ and did not give the best financial advice. Other than that, EPONA is 150% ‘Kosher’ and acts with loyalty and integrity at all times. Unfortunately, due to a serious accident falling off a horse which has given her a permanent injury, Lisa has had to sell 50% of the business her Father started to new owners; a couple, I cannot remember the man’s name but the new female partner is “Michelle’. I have never met her but spoken to her on the telephone ONCE and she was definitely AS COLD AS ICE. Nicole is the P.A. of the business and is highly competent, ALWAYS FRIENDLY, DOES NOTY MAKE MISTAKES and works very efficiently when the pressure is on. She is 100%. I was recommended EPONA by a medical professional I know but I will say that BOTH my General Practitioner and my Westpac Bank Manager thought that EPONA’s annual charges of about $4,500.00 P.A. for effectively 2 x 30” meetings, a written report and other financial planning services was pretty expensive for a domestic couple. The price is not why I discontinued business with EPONA. IF you are looking for a slightly pricy but legitimate financial planning service, I would recommend EPONA of Mitcham, Victoria. Try to get ‘Lisa’ as your advisor, the former 100% owner (now just 50% due to genuine and serious horse injury) because in my just one phone call with new owner Michelle I felt like I was speaking to an unhappy Member of the Victoria Police!!!! PROFESSIONALISM:- 90% EFFIENTCY:- 100% ADVICE:- 80% FRIENDLINESS:- Varies according to staff member. COST:- At the ‘upper end’ for domestic customers. OVERALL RATING: 7 out of 10. Sean Kelly Mount Dandenong, Victoria. EPONA Customer for 6 years."