The information, graphics and resources contained in this website are only applicable for Australian residents and are not to be relied upon as a substitute for professional personal financial advice.

The information provided on this web site, does not take into account the objectives, financial situation and individual needs of any particular person. Before making a decision about whether to acquire or dispose of any product that may be referred to in this website, the reader should obtain and consider/ the information contained in the relevant Product Disclosure Statement, then either with or without the assistance of a professional adviser, consider whether the action is appropriate in light of the particular needs, objectives and financial circumstances of the reader.

Past performance is not reliable guide to future returns as future returns may differ from and be more or less volatile than past returns.

The information contained on this website does not constitute a comprehensive taxation guide. As taxation legislation is complex, we recommend you contact your financial adviser, tax adviser or the Australian Taxation Office for further details and expert advice in relation to your personal circumstances.

While we have made every effort to ensure that information contained in the website is free from error, Personal Lifestyle Planners does not warrant the accuracy, adequacy or completeness of the information, graphics or resources. All information is subject to change without notice.

Any links from any other website are the responsibility of that website owner and may not be sanctioned or approved by Personal Lifestyle Planners. Third party links are provided as a convenience to readers. Personal Lifestyle Planners is not responsible for any of these sites or their content.

Except where necessary for viewing the material on this website on your browser, or as permitted under the Copyright Act 1968 (Cth), no material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of Personal Lifestyle Planners .

The views and opinions expressed within the website are those of the author and do not necessarily reflect those of Personal Financial Services Ltd.

Personal Lifestyle Planners is a Corporate Authorised Representative of Personal Financial Services Ltd ABN 26 098 725 145, Australian Financial Services Licensee – Licence Number – 234459