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Disclosure Statement: AUDIENT FINANCIAL PLANNING PTY LTD, ABN 98 680 634 744, trading as AUDIENT FINANCIAL, AR number 001251558, is an Authorised Representative of Templestone Financial Services Pty Ltd AFSL (Australian Financial Services Licence No. 523831).

General Advice Warning: The information in this communication is provided for information purposes and is of a general nature only. It is not intended to be and does not constitute financial advice or any other advice. Further, the information is not based on your personal objectives, financial situation or needs. You are encouraged to consult a financial planner before making any decision as to how appropriate this information is to your objectives, financial situation and needs. Also, before making a decision, you should consider the relevant Product Disclosure Statement available from your financial planner.

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