Disclaimer

This publication has been prepared by Harts Financial Solutions Pty Ltd (ABN 36 128 904 521 / AR 321342) “HFS” and Harts Financial Group Pty Ltd (ABN 80 128 903 962 / AFSL 324390) “HFG”. HFS is a corporate authorised representative (AR 321342) of HFG (AFSL 324390).

HFS & HFG may have relied upon published information from sources believed to be reliable at the time of preparation but over which HFS & HFG has no control. Accordingly HFS & HFG does not, and cannot provide any warranty in respect of the accuracy or reliability of any advice or information contained in this publication which is based on information provided by any third party.

This publication may include references to financial services products and general advice which has been prepared without taking into account your personal objectives, financial situation or needs. If you are considering investing in any financial service products, you should first consider the relevant Product Disclosure Statement and seek personal advice before making your decision.

Please contact Harts Financial Solutions to seek advice from one of our representatives in relation to your specific situation. Neither this publication nor any of its contents are to be reproduced, transmitted or made available to any person other than the reader/addressee without HFS’s prior written consent.