What Matters

MA Financial Group

'What Matters' is back for season two! This MA Financial podcast series offers listeners unique access to our experts and their insights – across alternative investments, lending and corporate advisory – to help keep you informed. Subscribe and follow the podcast today! This information in this podcast series is being made available for MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include advice that does not take into account your individual objectives, financial situation, needs or tax circumstances. The information contained does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. Where applicable, you should refer to the relevant Product Disclosure Statement (PDS) Target Market Determination (TMD) and Financial Services Guide (FSG) issued by MAAM RE Ltd (ACN 135 855 186) (AFSL 335783) available at https://mafinancial.com/asset-management/retail-funds/ma-priority-income-fund/product-disclosure-statement to carefully, assess whether the information is appropriate for you, and consider consulting with a financial adviser before making an investment decision. MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial. © All rights reserved 2024

  1. Specialist Disability Accommodation: Investing in Social Infrastructure

    1 day ago

    Specialist Disability Accommodation: Investing in Social Infrastructure

    In this episode, MA Financial’s Group Vice Chairman Andrew Pridham AO is joined by Viola Private Wealth Executive Chair and Founding Partner Charlie Viola, and Good Housing incoming CEO Kristy Simmonds. They discuss today’s investment landscape as well as an increasingly important part of Australia’s social infrastructure – Specialist Disability Accommodation (SDA).  Charlie shares his views on global growth, portfolio construction and the recent Australian Federal Budget, including how high-net-worth investors are positioning themselves in response to proposed tax and wealth structuring changes. He also explains why he believes investors should continue to invest through the cycle and remain focused on long-term opportunities, while discussing the growing role of private market assets in diversified portfolios.  The conversation then turns to Specialist Disability Accommodation (SDA), an increasingly important social infrastructure and alternative real estate asset class, with Kristy Simmonds joining Charlie to explore how private capital, government support and specialist operators are partnering to help address a critical housing need, delivering both meaningful social outcomes and attractive investment returns.  As a Non-Executive Director of Autism Awareness Australia, Charlie also shares his personal connection to the sector and reflects on the importance of providing appropriate housing and support for people living with severe and permanent disabilities.  Highlights 3:40 – Charlie Viola’s outlook on global growth  4:20 – Charlie Viola: “The only way you’ll ever get wealthy is by continuing to invest”   4:40 – Andrew Pridham: “I never make decisions based on tax”  5:10 – How high-net-worth investors are responding to proposed Federal Budget changes  7:45 – Will advisers start unwinding family trusts?  13:30 – Charlie Viola’s views on allocating to private market assets  15:15 – Charlie Viola: “We’re a stay rich business, we’re not a get rich business.”  17:45 – What is Specialist Disability Accommodation (SDA)?  18:30 – The housing challenge SDA is designed to solve  19:40 – Kristy Simmonds: “People regardless of whether they have a disability or not want to choose where they live”  21:00 – Why institutional-quality capital is needed to meet growing SDA demand  22:20 – How Good Housing was founded  24:00 – Kristy Simmonds: “It does take true partnership”   25:35 – Why some SDA housing is being built in the wrong locations   26:30 – What makes Good Housing different?   28:20 – Regulatory risk: Why government has an incentive to support SDA  29:40 – Charlie Viola on the bipartisan support underpinning SDA  36:00 – Why location matters in SDA This information in this podcast series is being made available by MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include general advice only and does not take into account your individual objectives, financial situation, needs or tax circumstances. The information contained does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. The information in the podcast may contain forward-looking statements, forecasts, estimates and projections (“Forward Statements”). Neither any member of MA Financial nor any independent third party has reviewed the reasonableness of any Forward Statements or the assumptions that underlie them. No member of MA Financial represents or warrants that any Forward Statements will be achieved or will prove to be correct or that the assumptions on which the Forward Statements are based are reasonable. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial. © All rights reserved 2026. See omnystudio.com/listener for privacy information.

    41 min
  2. Paul Heath on The Koda Way

    2 June

    Paul Heath on The Koda Way

    In this episode of What Matters, MA Financial’s Group Vice Chairman Andrew Pridham AO speaks with Koda Capital’s Founding Partner and CEO Paul Heath. After leading one of Australia’s most established wealth management businesses, Paul took a leap in 2013 to co-found Koda Capital, driven by a conviction that clients wanted truly independent, conflict-free advice. Paul also recognised a growing opportunity to give clients access to private market opportunities that had traditionally been reserved for large institutional and sovereign wealth investors. Paul reflects on the risks and lessons of building a business from scratch, and how wealth management is changing as private markets, AI and intergenerational wealth transfer reshape the industry. Paul also explains “The Koda Way” and the importance of culture in building a successful business. These attributes include fostering a conflict-free environment where advisers are empowered to act in their clients’ best interests, aligning advisers through meaningful equity ownership to create an ownership mindset, and creating a culture that guides behaviour when no one is watching. This information in this podcast series is being made available by MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include general advice only and does not take into account your individual objectives, financial situation, needs or tax circumstances. The information contained does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. The information in the podcast may contain forward-looking statements, forecasts, estimates and projections (“Forward Statements”). Neither any member of MA Financial nor any independent third party has reviewed the reasonableness of any Forward Statements or the assumptions that underlie them. No member of MA Financial represents or warrants that any Forward Statements will be achieved or will prove to be correct or that the assumptions on which the Forward Statements are based are reasonable. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial. © All rights reserved 2026. See omnystudio.com/listener for privacy information.

    52 min
  3. Private Credit: Under the Hood

    1 May

    Private Credit: Under the Hood

    In today’s uncertain and more volatile environment, investors and advisers are reassessing risk and seeking greater clarity on what lies ahead for private credit portfolios. Understanding what you own, how it is structured, and how it performs under stress is increasingly important. In this episode, MA Financial Group Vice Chairman Andrew Pridham AO is joined by Drew Bowie (Head of Real Estate Credit), Frank Danieli (Head of Global Credit Solutions), and Ashees Jain (Managing Director and Portfolio Manager). Together they unpack the evolving private credit landscape – both locally and globally – and share how we assess risk, build resilience, and identify opportunity in today’s market. Highlights 1:25 Perspectives from on the ground in New York and why private credit is currently front of mind 4:50 Andrew Pridham on navigating uncertainty: “There has been a crisis of some type… on average every three years” 8:35 Andrew Pridham on the role of private market assets during periods of volatility: “Many of my best investment decisions have been to do nothing.” 11:00 Macro risks and how we think about preparing for the unexpected 17:40 Embedding contingencies into lending 22:30 Andrew Pridham on liquidity and private market assets 23:40 Why today’s market can be described as a “tale of two cities”, a deep dive on the comparison between the U.S. and Australian private credit 28:20 Current perspectives on the lending market environment and how they maybe becoming more favourable for private credit investors 33:05 Where we are seeing opportunity in private credit today 36:05 Key risks we’re focused on, including AI and technology, and the definition of a “prime borrower” 42:10 The importance of transparency, and why this scrutiny is healthy and necessary for the long-term credibility and sustainability of the asset class: “Our theme for this year is what’s under the hood?” 46:30 What matters most when choosing a private credit manager, including manager alignment, track record, and workouts capability The information in this podcast series is being made available by MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include general advice only and does not take into account your individual objectives, financial situation, needs or tax circumstances. The information contained does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. The information in the podcast may contain forward-looking statements, forecasts, estimates and projections (“Forward Statements”). Neither any member of MA Financial nor any independent third party has reviewed the reasonableness of any Forward Statements or the assumptions that underlie them. No member of MA Financial represents or warrants that any Forward Statements will be achieved or will prove to be correct or that the assumptions on which the Forward Statements are based are reasonable. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial. See omnystudio.com/listener for privacy information.

    50 min
  4. Real Estate - Defensive in periods of heightened volatility

    31 Mar

    Real Estate - Defensive in periods of heightened volatility

    In this episode, MA Financial’s Group Vice Chairman Andrew Pridham AO is joined by Joint CEO Julian Biggins and Head of Core Real Estate Chris Lock to unpack what $1.2 billion in recent retail acquisitions reveals about the current market for retail shopping centres, and how real estate demonstrates its defensive characteristics in periods of heightened global volatility. Andrew, Julian and Chris share insights on: ·        Why shopping centres continue to demonstrate resilience and provide downside protection ·        How active management can enhance asset performance and drive investor returns ·        The outlook for office and industrial ·        Takeaways from MA’s 2026 Alternatives Summit, including why alternative real estate such as pubs and marinas provide defensive cash flow ·        How the current global crisis may present opportunities for astute investors Highlights 2:20 – What is ‘core real estate’? 6:20 – Inflation: Why retail assets can act as a natural hedge 7:30 – Barrier to entry: How the supply of new shopping centres could be decades away 9:30 – Why retailers are showing resilience in the current economic environment 10:30 – The impact of online shopping: How leading retailers are seeking additional retail space alongside online 15:50 – The resilience and downside protection offered by retail assets 25:50 – Chris and Julian on office and industrial 29:00 – MA Alternatives Summit 2026: Julian’s key takeaways 30:00 – Why active management is critical in delivering investor returns 31:00 – Andrew Pridham on seizing opportunity in global crisis and volatility 32:00 – Get to know Chris   The information in this podcast series is being made available by MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include general advice only and does not take into account your individual objectives, financial situation, needs or tax circumstances. The information contained does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. The information in the podcast may contain forward-looking statements, forecasts, estimates and projections (“Forward Statements”). Neither any member of MA Financial nor any independent third party has reviewed the reasonableness of any Forward Statements or the assumptions that underlie them. No member of MA Financial represents or warrants that any Forward Statements will be achieved or will prove to be correct or that the assumptions on which the Forward Statements are based are reasonable. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial.   See omnystudio.com/listener for privacy information.

    35 min
  5. 2026 Investment Outlook

    11 Mar

    2026 Investment Outlook

    MA Financial’s Group Vice Chairman, Andrew Pridham AO, is joined by a team of MA’s investment professionals as they discuss insights from the recently-released 2026 Investment Outlook, examining opportunities ahead across private credit, real estate and equities. The wide-ranging conversation explores: Why shopping centres continue to present compelling opportunities, supported by resilient consumer trends and structural tailwinds The critical role of active management in unlocking value across real estate The advantages of senior secured positions within the real estate capital structure How investor psychology is amplifying equity market volatility The key themes shaping today’s private credit landscape. The information in this podcast series is being made available by MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include general advice only and does not take into account your individual objectives, financial situation, needs or tax circumstances. The information in the podcast does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. Equity Trustees Limited (Equity Trustees) (ABN 46 004 031 298) (AFSL 240975) is the responsible entity for the MA Credit Income Trust ARSN 681 002 531 (MA1). MAAM RE Ltd (MAAM RE) (ACN 135 855 186) (AFSL 335783) is the responsible entity of the MA Priority Income Fund ARSN 648 809 849 (PIF). MA Credit Portfolio Holdings Limited ACN 691 943 638 is the issuer (Issuer) of the MA Credit Portfolio Notes (ASX: MA2HA) (the Notes). You should obtain a copy of the Product Disclosure Statement (PDS) or Prospectus and Target Market Determination (TMD) for MA1, PIF and the Notes available on mafinancial.com/invest and consider consulting with a financial adviser before making any investment decision. You should also read the PDS and TMD of PIF for further information on the capital buffer and the priority income features of PIF, and the PDS or Prospectus and TMD of MA1 and the Notes for further information on the credit exposure and product features of MA1 and the Notes. An investment in PIF, MA1 and the Notes involves risk. Past performance is not a reliable indicator of future performance. MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. The information in the podcast may contain forward-looking statements, forecasts, estimates and projections (“Forward Statements”). Neither any member of MA Financial nor any independent third party has reviewed the reasonableness of any Forward Statements or the assumptions that underlie them. No member of MA Financial represents or warrants that any Forward Statements will be achieved or will prove to be correct or that the assumptions on which the Forward Statements are based are reasonable. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial. See omnystudio.com/listener for privacy information.

    52 min
  6. What Matters mini: 'The return on my money'

    5 Feb

    What Matters mini: 'The return on my money'

    What Matters returns in 2026 with a mini edition, featuring Andrew Pridham AO in conversation with Frank Danieli, MA Financial’s Head of Global Credit Solutions. Frank unpacks the key themes from his latest quarterly investor letter, “The return on my money,” where Frank explains that when investing in private credit, capital preservation – the return on your money – matters most, however the return on your money also needs to be attractive for the risks taken. Andrew and Frank also unpack: • Portfolio performance for the 2025 December quarter • Insight into what Frank is seeing in global credit markets • A snapshot on the Australian economy, from real time insights in MA Financial’s data • Frank’s outlook for 2026 • The evolving regulatory landscape and why the focus on improved disclosure reinforces one of the core themes in Frank’s letter: how it’s important for investors to understand what really sits under the hood in their credit portfolio. Frank’s quarterly letter and podcast are your go-to for updates on our Global Credit Solutions fund suite, along with expert insights into trends shaping the private credit landscape. For more information, visit www.mafinancial.com The information in this podcast series is being made available by MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include general advice only and does not take into account your individual objectives, financial situation, needs or tax circumstances. The information in the podcast does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction.  Equity Trustees Limited (Equity Trustees) (ABN 46 004 031 298) (AFSL 240975) is the responsible entity for the MA Credit Income Trust ARSN 681 002 531 (MA1). MAAM RE Ltd (MAAM RE) (ACN 135 855 186) (AFSL 335783) is the responsible entity of the MA Priority Income Fund ARSN 648 809 849 (PIF). MA Credit Portfolio Holdings Limited ACN 691 943 638 is the issuer (Issuer) of the MA Credit Portfolio Notes (ASX: MA2HA) (the Notes). You should obtain a copy of the Product Disclosure Statement (PDS) or Prospectus and Target Market Determination (TMD) for MA1, PIF and the Notes available on mafinancial.com/invest and consider consulting with a financial adviser before making any investment decision. You should also read the PDS and TMD of PIF for further information on the capital buffer and the priority income features of PIF, and the PDS or Prospectus and TMD of MA1 and the Notes for further information on the credit exposure and product features of MA1 and the Notes. An investment in PIF, MA1 and the Notes involves risk. Past performance is not a reliable indicator of future performance. MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. The information in the podcast may contain forward-looking statements, forecasts, estimates and projections (“Forward Statements”). Neither any member of MA Financial nor any independent third party has reviewed the reasonableness of any Forward Statements or the assumptions that underlie them. No member of MA Financial represents or warrants that any Forward Statements will be achieved or will prove to be correct or that the assumptions on which the Forward Statements are based are reasonable. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial. See omnystudio.com/listener for privacy information.

    22 min
  7. What Matters mini: ‘The greatest teacher, failure is’

    16/11/2025

    What Matters mini: ‘The greatest teacher, failure is’

    In this special mini edition of What Matters, Frank Danieli, Head of Global Credit Solutions at MA Financial, unpacks the key themes from his September quarter private credit investor letter exploring the theme “the greatest teacher, failure is.” Frank explains why at MA Financial we believe private credit investing is all about ‘avoiding losers, not picking winners.’ He reflects on recent high-profile borrower failures in the US such as First Brands and Tricolor, to illustrate the importance of managing credit risk and controlling structural risk, and the valuable lessons to be learned from studying situations that have gone wrong. Frank’s quarterly letter and podcast are essential resources for updates on MA Financial’s Global Credit Solutions fund suite, and expert insights into the trends shaping private credit markets. DISCLAIMER The information in this podcast series is being made available by MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include general advice only and does not take into account your individual objectives, financial situation, needs or tax circumstances. The information in the podcast does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction.  Equity Trustees Limited (Equity Trustees) (ABN 46 004 031 298) (AFSL 240975) is the responsible entity for the MA Credit Income Trust ARSN 681 002 531 (MA1). MAAM RE Ltd (MAAM RE) (ACN 135 855 186) (AFSL 335783) is the responsible entity of the MA Priority Income Fund ARSN 648 809 849 (PIF). You should obtain a copy of the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for MA1 and PIF available on mafinancial.com/invest and consider consulting with a financial adviser before making any investment decision. You should read the PDS and TMD of PIF for further information on the capital buffer and the priority income features of PIF, and the PDS and TMD of MA1 for further information on the credit exposure and product features of MA1. An investment in PIF and MA1 involves risk. Past performance is not a reliable indicator of future performance.  MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. The information in the podcast may contain forward-looking statements, forecasts, estimates and projections (“Forward Statements”). Neither any member of MA Financial nor any independent third party has reviewed the reasonableness of any Forward Statements or the assumptions that underlie them. No member of MA Financial represents or warrants that any Forward Statements will be achieved or will prove to be correct or that the assumptions on which the Forward Statements are based are reasonable. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial. See omnystudio.com/listener for privacy information.

    17 min
  8. The Next Super-Cycle: Economist David McWilliams on Money and Markets

    31/10/2025

    The Next Super-Cycle: Economist David McWilliams on Money and Markets

    Economist, author and broadcaster David McWilliams joins Andrew Pridham for a fascinating look at what he calls the next global super-cycle — a world of rising tariffs, managed trade and an AI-fuelled boom — and how Australia can thrive in this new era. In a lively, entertaining and thought-provoking conversation, David taps into his unique ability to make economics relatable and shares his distinctive take on: • The enduring importance of the US dollar — and why cash still matters • How Australia can balance its ties with both the US and China • The psychology of money — and why it is humanity’s greatest invention • Why FOMO might explain the queues for gold in Martin Place • Why bitcoin could be “a solution in search of a problem”; and • How “animal spirits” continue to drive real-world economies Recorded in Sydney during David’s world tour for his best-selling book Money: A Story of Humanity — a Financial Times, Observer and Economist Book of the Year — this episode blends insight and big-picture thinking on where global markets may go next. This information in this podcast series is being made available by MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include general advice only and does not take into account your individual objectives, financial situation, needs or tax circumstances. The information contained does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. The information in the podcast may contain forward-looking statements, forecasts, estimates and projections (“Forward Statements”). Neither any member of MA Financial nor any independent third party has reviewed the reasonableness of any Forward Statements or the assumptions that underlie them. No member of MA Financial represents or warrants that any Forward Statements will be achieved or will prove to be correct or that the assumptions on which the Forward Statements are based are reasonable. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial. © All rights reserved 2025. See omnystudio.com/listener for privacy information.

    48 min
4.8
out of 5
41 Ratings

About

'What Matters' is back for season two! This MA Financial podcast series offers listeners unique access to our experts and their insights – across alternative investments, lending and corporate advisory – to help keep you informed. Subscribe and follow the podcast today! This information in this podcast series is being made available for MA Financial Group Limited (ACN 142 008 428) and its related bodies corporate (“MA Financial”) for informational purposes only and reflects the views of its participants as at the date indicated. Information may include advice that does not take into account your individual objectives, financial situation, needs or tax circumstances. The information contained does not constitute and should not be construed as an offering of advisory services, personal investment advice, or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. Where applicable, you should refer to the relevant Product Disclosure Statement (PDS) Target Market Determination (TMD) and Financial Services Guide (FSG) issued by MAAM RE Ltd (ACN 135 855 186) (AFSL 335783) available at https://mafinancial.com/asset-management/retail-funds/ma-priority-income-fund/product-disclosure-statement to carefully, assess whether the information is appropriate for you, and consider consulting with a financial adviser before making an investment decision. MA Financial cannot guarantee the accuracy of the information in this podcast and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. This podcast, including the information contained herein, is the sole property of MA Financial and may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of MA Financial. © All rights reserved 2024

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