GENERAL ADVICE WARNING

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.  


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.


From time to time members of the National Australia group of companies, associated employees or agents may have an interest in or receive monetary or other benefits from the financial products and services mentioned. The Licensee is associated with issuers of MLC Investments Ltd, MLC Ltd, Wealthhub Securities Limited, Jana Investment Advisers Pty Ltd, PFS Nominees Pty Ltd, MLC Nominees Pty Ltd, Navigator Australia Ltd, NULIS Nominees (Australia) Limited and National Australia Bank Ltd products and services.


Glenn Pitt, Principal Adviser, of Beachside Financial Services Pty Ltd trading as Beachside Financial Services 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 St North Sydney NSW 2060 and a member of the National Australia group of companies.