Author and financial planner Janne Ashton is CEO of Plan Protect, and an authorised representative of Count Financial Limited, AFSL 227232. Phone 9452 7871 or visit planprotect.com.au. The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.