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Smith Coffey Financial Management Pty Ltd and its related entities distributing this information and each of their respective directors, officers and agents ("Smith Coffey") believe that the information contained herewith is correct and that any estimates, opinions, conclusions or recommendations contained herein are reasonably held or made as at the time of compilation. However, no warranty is made as to the accuracy or reliability of any estimates, opinions, conclusions, recommendations (which may change without notice) or other information contained in this document and, to the maximum extent permitted by law, Smith Coffey disclaims all liability and responsibility for any direct or indirect loss or damage which may be suffered by any recipient through relying on anything contained in or omitted from this information.

As this website contains general advice that has been prepared without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a copy of the relevant Product Disclosure Statement and read it thoroughly before deciding to acquire the product

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