What changed in this filing

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Item 1A. Risk Factors

2018-03-02 compared with 2017-08-21 · 50 added, 92 removed, 88 unchanged (62% of the section changed)

Our limited operating history may not

serve as an adequate basis to judge our future prospects and results of operations .

Financial Gravity has a relatively limited

operating history.

Our limited operating history and the unpredictability of the wealth management industry make it difficult for

investors to evaluate our business.

Our limited operating history may

not serve as an adequate basis to judge our future prospects and results of operations .

Financial Gravity has a relatively

limited operating history.

Our limited operating history and the unpredictability of the wealth management industry make it difficult

for investors to evaluate our business.

An investor in our securities must consider the risks, uncertainties and difficulties frequently

encountered by companies in rapidly evolving markets.

We will need additional

financing to implement our business plan.

The Company will need additional financing to fully implement its business plan in

a manner that not only continues to expand an already established direct-to-consumer approach, but also allows the Company to establish

a stronger brand name in all the areas in which it operates.

In particular, the Company will need additional financing to:

additional financing to implement our business plan.

The Company will need additional financing to fully implement its

business plan in a manner that not only continues to expand an already established direct-to-consumer approach, but also allows

the Company to establish a stronger brand name in all the areas in which it operates.

In particular, the Company will need additional

financing to:

Effectuate its business plan and further develop its product and service lines;

11 unchanged sentences

to changes in applicable laws and regulations.

The Company’s business is particularly subject to changing

federal and state laws and regulations related to the provision of financial services to consumers.

The Company’s continued

success depends in part on its ability to anticipate and respond to these changes, and the Company may not be able to respond in

a timely or commercially appropriate manner.

If the Company fails to adjust its products and services in response to changing legal

and/or regulatory requirements, the ability to deliver its products and services may be hindered, which in turn could have an adverse

The Company’s business is particularly subject to changing federal

and state laws and regulations related to the provision of financial services to consumers.

The Company’s continued success

depends in part on its ability to anticipate and respond to these changes, and the Company may not be able to respond in a timely

or commercially appropriate manner.

If the Company fails to adjust its products and services in response to changing legal and/or

regulatory requirements, the ability to deliver its products and services may be hindered, which in turn could have an adverse

effect on the Company’s business, financial condition and results of operations.

1 unchanged sentence

to encounter substantial competition in our business.

The Company believes that existing and new competitors will

continue to improve their products and services, as well as introduce new products and services with competitive price and performance

characteristics.

The Company expects that it must continue to innovate, and to invest in product development and productivity improvements,

to compete effectively in the several markets in which the Company participates.

The Company’s competitors could develop

a more efficient product or service or undertake more aggressive and costly marketing campaigns than those implemented by the Company,

which could adversely affect the Company’s marketing strategies and have an adverse effect on the Company's business, financial

condition and results of operations.

The Company believes that existing and new competitors will continue

to improve their products and services, as well as introduce new products and services with competitive price and performance characteristics.

The Company expects that it must continue to innovate, and to invest in product development and productivity improvements, to compete

effectively in the several markets in which the Company participates.

The Company’s competitors could develop a more efficient

product or service or undertake more aggressive and costly marketing campaigns than those implemented by the Company, which could

adversely affect the Company’s marketing strategies and have an adverse effect on the Company's business, financial condition

and results of operations.

Important factors

11 unchanged sentences

existing markets, or that the Company will be able to continue to compete successfully against its competition.

We may not successfully

manage our growth.

Our success will depend upon the expansion of our operations and the effective management of our growth,

which will place a significant strain on our management and on our administrative, operational and financial resources.

this growth, we must expand our facilities, augment our operational, financial and management systems, and hire and train additional

qualified personnel.

successfully manage our growth .

Our success will depend upon the expansion of our operations and the effective management

of our growth, which will place a significant strain on our management and on our administrative, operational and financial resources.

To manage this growth, we must expand our facilities, augment our operational, financial and management systems, and hire and train

additional qualified personnel.

If we are unable to manage our growth effectively, our business would be harmed.

We rely on key executive officers, and

their knowledge of our business and technical expertise would be difficult to replace.

We are highly dependent on our executive

If one or more of the Company's senior executives or other key personnel are unable or unwilling to continue in their

present positions, the Company may not be able to replace them easily or at all, and the Company’s business may be disrupted.

Competition for senior management personnel is intense, the pool of qualified candidates is very limited, and we may not be able

to retain the services of our senior executives or attract and retain high-quality senior executives in the future.

could have a material adverse effect on the Company's business, financial condition and results of operations.

We may never pay dividends to our common

stockholders.

The Company currently intends to retain its future earnings to support operations and to finance expansion;

We rely on key executive officers,

and their knowledge of our business and technical expertise would be difficult to replace .

We are highly dependent

on our executive officers.

If one or more of the Company's senior executives or other key personnel are unable or unwilling to

continue in their present positions, the Company may not be able to replace them easily or at all, and the Company’s business

may be disrupted.

Competition for senior management personnel is intense, the pool of qualified candidates is very limited, and

we may not be able to retain the services of our senior executives or attract and retain high-quality senior executives in the

Such failure could have a material adverse effect on the Company's business, financial condition and results of operations.

We may never pay dividends to our

common stockholders .

The Company currently intends to retain its future earnings to support operations and to finance

accordingly, the Company does not anticipate paying any cash dividends in the foreseeable future.

5 unchanged sentences

the amount thereof.

Our common stock is quoted through the

OTC Markets, which may have an unfavorable impact on our stock price and liquidity.

Our common stock is quoted through

the OTC Markets, which may have an unfavorable impact on our stock price and liquidity.

The Company’s common stock

11 unchanged sentences

companies is generally volatile, with wide price fluctuations not necessarily related to the operating performance of such companies.

Our common stock

is subject to price volatility unrelated to our operations.

stock is subject to price volatility unrelated to our operations.

The market price of the Company’s common stock

3 unchanged sentences

or its competitors.

Our common stock

is classified as a “penny stock.”

stock is classified as a “penny stock.”

Rule 3a51-1 of the Securities Exchange

27 unchanged sentences

analyst coverage.

Unregistered Sales of Equity Securities and Use of

Defaults Upon Senior Securities

Mine Safety Disclosures

Other Information

Rule 13a-14(a) Certification of the Principal Executive Officer.

Rule 13a-14(a) Certification of the Principal Financial Officer.

Section 1350 Certifications.

XBRL Instance Document

XBRL Schema Document

XBRL Calculation Linkbase Document

XBRL Definition Linkbase Document

XBRL Label Linkbase Document

XBRL Presentation Linkbase Document

* to be filed by amendment

Pursuant to the requirements of Section 13 or 15(d) of the Securities

Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly

August 21, 2017

/s/ John Pollock

Chief Executive Officer

(Principal Executive Officer)

August 21, 2017

/s/ Paul Williams

Paul Williams

Chief Financial Officer

(Principal Financial Officer)

Pursuant to the requirements of the Securities Exchange Act

of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the

dates indicated.

/s/ John Pollock

Chairman, CEO

August 21, 2017

(principal executive officer)

/s/ Paul Williams

Vice Chairman, CFO

August 21, 2017

Paul Williams

(principal financial officer)

/s/ Dave Crowley

August 21, 2017

/s/ Edward A.

August 21, 2017

/s/ George Crumley

August 21, 2017

George Crumley

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-Q

Item 1A. Risk Factors