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Debt management advice can result in improved long-term capital growth and cashflow. Where relevant, we will consider whether it is better for you to pay off debt than use your assets and cashflow for things like investing and contributing to superannuation, depending on your circumstances. We may also advise you which debts should be repaid first where you hold different types of debt to get the best outcome. We may also refer you to a specialist if we believe you may require advice to refinance, modify, or take out new debt.