Given the client's data:

Name: Aiden Tremellen D.O.B: 2nd May 1978 Status: Married Children: 3 Names & D.O.B: Hailey Tremellen, 26" January 2001 Felix Tremellen, 13 April 2007 Mary Tremellen, 13"November 2009 Partner: Chloe Tremellen D.O.B: 24" October 1979 Aiden works full time as a lecturer at Sunway University, and has been there since 17" December 2007. His gross base income is $110,000, and receives an annual bonus of $30,000. Chloe does not work but receives $36,400 per year from a trust fund set up by her parents. The children attend a public school, with fees totalling $1,000 per year. This family lives in Point cook. They live rent free in a house owned by Aiden's parents. He pays contents insurance of $450 per year. Aiden owns an investment property in Digger's rest worth $390,000. He purchased this in his name on November 22 2017 for $400,000. His gross rental income is $320 per week. His rental expenses include the following: Agent fees: $90 per month; Water rates: $390 per quarter; Council rates: $403 per quarter; Land tax: $300 per year; Building insurance with YOUI: $1,200 per year; Landlord Insurance with YOUI: $600 per year; Loan repayments of $770 per fortnight. The loan initially cleared on January 13" 2018 and amounted to $320,000. The term is for 30 years, at 3.15% per annum variable. Aiden owns three cars. The first is a 2010 model silver BMW 740Li, purchased in July 2019 for $38,000. The finance on this was $31,000, at an interest rate of 7.8% for 5 years. Fortnightly repayments amount to $340. He has insurance through Shannons, paying $150 per month. The car has driven 65,000 km in total. He pays registration on this car of $840per year. His weekly fuel expense is $65, with servicing and maintenance costs averaging $2,000 per year. The second car is driven by Chloe. It is a 2010 model black BMW 520D, purchased in April 2015 for $50,000. This car is owned outright by Aiden, with no finance owing. Aiden has insurance through Shannons, paying $100 per month. The car has driven 113,000 km in total. He pays registration on this car of $840 per year. Chloe's weekly fuel expense is $50 per month, with servicing and maintenance costs averaging $1,500 per year. The third car is a 1968 model black Mercury Cougar, purchased in September 2017 for $34,000. This car is owned outright by Aiden, with no finance owing. Aiden has insurance through Shannons, paying $80 per month. He pays registration on this car of $840 per year. The weekly fuel expense is $20, with servicing and maintenance costs averaging $700 per year. The family's other assets include $60,000 worth of renovations paid for by Aiden on his parents' house. Aiden has $9,000 cash at the Commonwealth Bank in a savings account earning 0% interest. Chloe has $10,000 in a savings account with StGeorge, earning 0.1% interest. Aiden has a superannuateon (high growth) fund with Unisuper. This is a defined benefit fund, with a balance of $185,000. Chloe does not have a superannuateon fund and will not return to work. The family's household expenses include: Electricity: $106 per fortnight; Gas: $133 per fortnight; Internet: $130 per month; Mobile phones: $229 per month; Food: $400 per week; Water: $300 per quarter; Pet registration and necessities: $498 every 6 months; Netflix: $20 per month; Fetch TV: $20 per month; Take away food: $100 per week; Parking fees in the city: $134 per week; Cigarettes and vapes: $100 per week; Leisure expenses: $100 per week; Gym membership at Anytime Fitness and protein supplements: $60 per fortnight;Income protection insurance with Virgin: $1,360 per year Life insurance for Chloe with Guardian: $67 per month, with a payout of $750,000 if death is accidental; Life insurance for Aiden through Unisuper: $23 per fortnight (Paid from superannuateon contributions), with a payout of $1,000,000 upon death. Aiden's employer pays super contributions worth 17% of ordinary income. Goals and wants of this family Annual holiday to Asia: $20,000 Pay off as much debt as possible . Upgrade the BMW 520D to a 2009 model Hummer H2 worth $80,000 within 3 years Pay for body tattoos worth $6,000 within 12 months . Re-spray the body of the Mercury Cougar worth $10,000 within 5 years . Save a $120,000 deposit for a 2" rental property within 3 years . Install skylights and new external door on Point Cook property worth $10,000 within 2 years . Aiden would like to lose a further 10kg within 12 months and build muscle quickly If you require any further financial information, post your question onto the discussion forum, and Aiden will respond to you