Any advice or information in this publication is of a general nature only and has not taken into account your personal circumstances, needs or objectives. Because of that, before acting on the advice, you should consider its appropriateness to you, having regard to your objectives, financial situation or needs.

 

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 on this website 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.

 

Members of the National Australia Bank group of companies (NAB Group), associated employees or agents may have an interest in or receive monetary or other benefits from the financial products and services mentioned <in this document>. The Licensee is part of the NAB Group and we may recommend financial products issued by companies within the NAB Group or companies in which a shareholding is maintained by a NAB Group member.

 

GWM Adviser Services Limited ABN 96 002 071 749, AFSL number 230692, an Australian Financial Services Licensee, Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia Bank group of companies. 

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RFPCQ Pty Ltd ABN 67 122 988 916, RFPNQ Pty Ltd 69 101 628 755 RFPLW Pty Ltd 61 123 530 245 trading as Regional Financial Planning, Authorised Representative of GWM Adviser Services Limited ABN 96 002 071 749, Australian Financial Services Licence Number 230692 (“GWM Adviser Services”) of Level 1, 105-153 Miller Street, North Sydney NSW 2060.