Disclaimer

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.

Consultum Financial Advisers Pty Ltd is a wholly owned subsidiary of IOOF Holdings Limited (IOOF) and a part of the IOOF group of companies (IOOF Group). IOOF does not guarantee or otherwise accept any liability in respect of the financial advice or services provided by Consultum Financial Advisers Pty Ltd or its authorised representatives. Consultum Financial Advisers Pty Ltd is associated with and may provide financial product advice on or deal in financial products issued by other members of the IOOF Group.

IT Financial Services, ABN 48 097 884 976, is an Authorised Representative of Consultum Financial Advisers Pty Ltd, ABN 65 006 373 995, an Australian Financial Services Licensee with its registered office at Level 6, 161 Collins Street, Melbourne VIC 3000