This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information.

Before acquiring a financial product, a person should obtain a Product Disclosure Statement [PDS] relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.

Up Wealth Canberra Pty Ltd, Up Wealth Sydney Pty Ltd, Up Wealth South Coast Pty Ltd, Mark Connell, Aaron Hopkins and Brett Billington, are Authorised Representatives of GWM Adviser Services Limited, ABN 96 002 071 749, trading as Garvan Financial Planning, an Australian Financial Services Licensee, Registered office at 105-153 Miller Street, North Sydney, NSW, 2060 and a member of the National Australia Group of companies.