This publication has been issued by Michael Phillips Financial Planning Pty Ltd. Michael Phillips Financial Planning is a Corporate Authorised Representative (no:242227) of Libertas Financial Planning Pty Ltd.

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 isgiven in respect of the information provided, Michael Phillips Financial Planning, Libertas Financial Planning Pty Ltd, nor its employees or agents shall not be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.