The information contained in this newsletter is of a general nature only and does not take into account your particular objectives, financial situation or needs. Accordingly the information should not be used, relied upon or treated as a substitute for specific financial advice. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided. You should assess your own current circumstances or seek advice from a financial adviser and seek tax advice from a register tax agent. Halogen Pty Ltd its directors or staff, Consultum Financial Advisers Pty Ltd nor its employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. Information is current at the date of this issue and may change.

Louise Gooden and Halogen Pty Ltd are Authorised Representatives of Consultum Financial Advisers Pty Ltd ABN 65 006 373 995, AFSL 230323