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Disclosure Statement:

Philip Penklis MBA, MFinPlan AR 360236 & Greg Hyslop M.Bus (Fin) UTS Sydney AR 1238305, are Authorised Representative (AR) of Life Map Financial Planning Pty Ltd ABN 99 637 766 762 AFSL No. 523004.

General Advice Warning:

The information in this communication is provided for information purposes and is of a general nature only. It is not intended to be and does not constitute financial advice or any other advice. Further, the information is not based on your personal objectives, financial situation or needs. You are encouraged to consult a financial planner before making any decision as to how appropriate this information is to your objectives, financial situation, needs and consider the relevant Product Disclosure Statement before proceeding.