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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 document 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. 

<Include where opinions have been expressed>

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


Les Wigginton, Kristy Mitchell, Jeff Lanyon, RFPCQ Pty Ltd ABN 67 122 988 916, RFPNQ Pty Ltd 69 101 628 755 RFPLW Pty Ltd 61 123 530 245, RFPSQ Pty Ltd ABN 78 169 527 020 trading as Regional Financial Planning,  are Authorised Representatives of Bombora Advice Pty Ltd ABN 40 156 250 565, an Australian Financial Services Licensee, Registered office Level 15, 390 St Kilda Road Melbourne VIC 3004



* Note:

Australian Financial Services Licensee can be abbreviated to AFSL 439065

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