This website and any information within is general in nature and does not constitute any recommendation or personal advice. It has been prepared without considering your objectives, financial situation or needs, and before acting on any information or advice on this website, you need to consider whether it is appropriate for you in light of your own objectives, financial situation and needs. Where the information or advice relates to the acquisition, or possible acquisition, of a financial product you should obtain and read the relevant Product Disclosure Statement (PDS) or offer document before deciding about whether to acquire the financial product.

You should seek financial advice from one of our financial advisors or obtain other external professional advice before making any investment decision or acquiring a financial product, as well as read our Financial Services Guide, which will also contain information about how our financial advisors are remunerated. Past performance is not an indication of future performance. Taxation considerations are general and based on present taxation laws and may be subject to change. You should seek independent professional tax advice before making any decision based on any such information.

To the extent permitted by law, the A&R Financial Planners Pty Ltd and its members make no warranties (express or implied) or representations concerning this website, or the information or general advice contained therein. A&R Financial Planners Pty Ltd, its directors, employees and agents do not accept any liability for any errors or omissions concerning the information or general advice on this website, or any loss or damage that is suffered by any person who relies on the information or general advice contained on this website.

A&R Financial Planners Pty Ltd, ABN 72 100 414 935, is a corporate authorised representative of Viridian Advisory Pty Ltd, ABN 34 605 438 042, Australian Financial Services Licence (AFSL) 476 223. Viridian Advisory Pty Ltd is a wholly owned subsidiary of Viridian Financial Group Limited (ABN 83 605 280 797, AFS Representative Number 001235324) (VFGL) and is part of the Viridian Group.

The Viridian Group includes a number of entities that provide financial advice and financial services, including Viridian Portfolio Management Ltd (ABN 67 605 994 741, AFS Representative Number 001235325) (VPM) and Viridian Private Wealth Pty Ltd (ABN 83 605 280 797, AFS Representative Number 001235324) (VPW), who are authorised representatives of Viridian Advisory Pty Ltd (ABN 34 605 438 042) (AFSL 476223) (VA). VPM, VPW, VFGL, VS and VA are associated entities and are part of the Viridian Group