General Advice Warning

Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information.

Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product.

Past performance is not a reliable guide to future returns.

The information in this publication reflects our understanding of existing legislation, proposed legislation, rulings etc as at the date of issue. In some cases the information has been provided to us by third parties. While it is believed the information is accurate and reliable, this is not guaranteed in any way. 

Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this document.

Jarryd Vinton, Kevin McDonald and Future Focus Financial Planning Pty Ltd trading as Future Focus Financial Planning (ABN 39115683692) are Authorised Representatives of GWM Adviser Services Limited (ABN 96 002 071 749) trading as Garvan Financial Planning an Australian Financial Services Licensee (AFSL 230692), registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.