Hi All I’m hoping to get some different opinions on where to go next with my investment journey. I’m 40 years old, currently renting an apartment in Brisbane’s north as I work FIFO so am away a lot, and have 5 investment properties, they are in Burwood VIC, Dandenong VIC, Lane Cove North NSW, Bracken Ridge QLD and Nudgee QLD, all houses except Lane Cove North which is an apartment. Total value is $3.5M with $1.5M equity. For the most part rental income covers loan repayments however I cover most of the property expenses with my wage which doesn’t give me a great deal of spending money left over. I have a financial planner that is suggesting I sell everything except the Burwood house which is worth close to $1M ($400K loan), and use the approx. $900K from the other 4 sales to buy a blue chip property on Brisbane’s north side either outright or with a small loan as a PPOR. His advice is based on me reducing debt and risk while still trying to maximise potential capital growth in the future. It is also to free up a lot of my personal income again for either additional super contributions, another blue chip property as an investment or whatever else I might want. I can see the benefits of this advice but at the same time I’m struggling with it as for a lot of years I’ve been reading the property investing forums and thinking I should be accumulating properties. It has also taken a lot of years and a lot of hard work to get to where I am now so the idea of getting rid of most of it is hard for me to get my head around. The purpose of my property investing has always been a long term goal to create a retirement fund for the future. Having a blue chip property in Brisbane I would expect to get good capital growth over the next 10-20 years, but would I be worse off or better off by keeping all 5 properties with renters paying my mortgages? I don’t know how to work out which would be better for me. I feel like I’m being given good advice by my financial planner but it goes against what I’ve always thought I should be doing. I don’t really know anyone that is into property investing to get some alternative opinions so I’m hoping some of the wise property investing minds out there might give me a bit of perspective on this situation? Thanks for reading!