Legal Information and Disclosures

This memorandum expresses the views of the author as of the date indicated and such views are subject to change without notice.  FinSec Partners has no duty or obligation to update the information contained herein.

This memorandum is being made available for educational purposes only and should not be used for any other purpose.  The information contained herein does not constitute and should not be construed as an offering of advisory services or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction.  Certain information contained herein concerning economic trends and performance is based on or derived from information provided by independent third-party sources.  FinSec Partners believes that the sources from which such information has been obtained are reliable; however, it cannot guarantee the accuracy of such information and has not independently verified the accuracy or completeness of such information or the assumptions on which such information is based. 

This memorandum, including the information contained herein, may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of FinSec Partners.

FinSec Partners Pty Ltd is a member firm and corporate authorised representative of Kaizen Wealth Pty Ltd  ABN 19 608 040 062  AFSL 480 797.