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Disclosure Statement: Goh Financial Advisers Pty Ltd ATF Goh Financial Advisers Trust trading as Goh Financial Advisers ABN 91 587 537 087 is an Authorised Representative of GWM Adviser Services Limited T/A Garvan Financial Planning, ABN 96 002071 749 Australian Financial Services & Credit Licence No: 230692. Registered Office 105–153 Miller Street North Sydney NSW 2060 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.