The use of this site is subject to the following Terms & Conditions. Please read them carefully. Using the site means that you have read and accepted the Terms & Conditions.


GWM Adviser Services Limited

GWM Adviser Services Limited ABN 96 002 071 749 trading as Garvan Financial Planning (“Garvan”) is an Australian Financial Services Licensee, insurance broker and a wholly owned subsidiary of National Australia Bank Limited.

Information contained in website

This site provides information about the services and products of Garvan and other members of the National group of companies and certain other information. Garvan and other members of the National group of companies:

  • do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained in this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
  • may change and update the information from time to time;
  • make no representation in relation to, and are not responsible in any way, for any other site you access through this site; and
  • own the copyright in the information in this site.

Trade marks

Any trade marks appearing in this site are the trade marks of a member of the National group of companies or a third party. Users must not use or reproduce any trade marks that appear in this site.

User’s obligations

Users of this site must not:

  • do anything to alter or modify the information in this site;
  • use the material in this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
  • distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
  • post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or inappropriate.

Purpose of information

The information contained in this site is general information only made available to residents of Australia. It has not been prepared taking into account any person’s particular needs, financial situation or investment objectives and should not be relied upon as a substitute for financial, accounting, legal, tax or other specialist advice.

It is not intended to be a recommendation, offer or invitation to take up securities or other investments. You should seek advice from an appropriately qualified professional on whether the information is appropriate for your particular needs, financial situation and investment objectives.


Commissions payable

Garvan and its authorised representatives may receive fees or commissions. All fees or commissions will be discussed with you prior to acting on your instructions.



Garvan and other members of the National group of companies are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained in this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by Garvan and other members of the National group of companies.


Currency references

All references in this site to “$” or “dollars” are references to Australian currency unless otherwise stated.



Users of this site agree to indemnify GPL and other members of the National group of companies from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed in the site by the user or from the alteration, modification of or addition to material on the site by the user.


Availability of site

Garvan will use its best efforts to provide access to this site on a 24 hour basis. However, there may be an interruption of the service to facilitate the site’s maintenance or for any other reasons. Garvan will not be liable to any person for interruptions to the service for any reason.


Investments not deposits or liabilities of NAB

An investment with the MLC Group does not represent a deposit with or liability of the National Australia Bank Limited or other member companies of the National Group of companies and is subject to investment risk including possible delays in repayment and loss of income and capital invested.

The repayment of capital, the payment of income and any particular rate of return are not guaranteed by any company in the MLC Group or any member of the National group of companies or any other company, unless specifically stated in a current Customer Information Brochure, Product Disclosure Statement or Prospectus.