“If everyone is thinking alike, then somebody isn't thinking”. (General George S. Patton) The author is Australian with a long term interest and personal stake in financial planning and management. He is a Registered Financial Adviser, a member of the FPA Australia, and a Certified Gold Seeking Alpha Contributor. Prior professional background of 20 years in military & international logistics, strategic planning and management. He has lived and worked extensively in Australia, the UK, the Middle East, and the USA. He is an advocate for easy access to quality financial advice and opinion that is honest, transparent, and which offers a contrarian position to mainstream media.