General advice and information only

Any advice and information contained in this communication is general only, and has been prepared without taking into account your particular circumstances and needs. Before acting on any information in this communication you should assess or seek advice on whether it is appropriate for your needs, financial situation and investment objectives.

Where the information relates to a particular financial product, you should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product.

All information is to be regarded as general advice. We would not recommend any action is taken until you have approached us for advice. At this point, if engaged, we would provide “personal advice” which would be in the form of a Statement of Advice or Record of Advice.