newsletter is provided by WHK and its member firms and WHK
Financial Planning (WHKFP) as an information service only
and does not constitute financial product advice. WHK &
WHKFP provide no warranty regarding the accuracy or
completeness of the information. All opinions, conclusions,
forecasts or recommendations are reasonably held at the time
of compilation but are subject to change without notice by
WHK & WHKFP. Both WHK & WHKFP assume no commitment to update
this document after it has been issued. Except for any
liability which by law cannot be excluded, WHK & WHKFP, its
Directors, employees and agents disclaim all liability
(whether in negligence or otherwise) for any error,
inaccuracy in, or omission from the information contained in
this document or any loss or damage suffered by the
recipient or any other person directly or indirectly through
relying upon the information.
Section 945A of the Corporations Act requires financial
planners to obtain information from clients before making
recommendations. Equivalent requirements apply also to
accountants in relation to the provision of taxation advice.
Accordingly, clients and readers should not act only on the
basis of material obtained in this newsletter because the
contents are of a general nature and therefore do not take
into account each person's individual circumstances and may
be liable to misinterpretation. Do not act upon any of the
information contained within this newsletter without first
obtaining specific advice from your local WHK Adviser.
WHK Group Pty Ltd ABN 84 006 466 351 and WHK Financial
Planning Pty Ltd, holder of Australian Financial Services
License No. 238244 ABN 51 060 092 631.