The advice provided during this presentation is General Advice Only. It has been prepared without taking into account any individuals objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs.

You should obtain a Product Disclosure Statement relating to the products mentioned, and consider the statements before making any decision about whether to acquire the products.

Peter Horsfield is a Certified Financial Planner (CFP), and is a Practitioner Member of The Financial Planning Association of Australia FPA. Peter Horsfield is authorized to provide advice through Patron Financial Advice Australian Financial Services License Number 307397.

Information contained within is general advice and you should seek advice from a qualifi ed professional before proceeding.