Any information presented in this document is given purely as illustrations and should not be construed as specific investment recommendations. The laws relating to investment, taxation, benefits and the handling of money are constantly changing and are often subject to changes in government policy. While every care has been taken to ensure the accuracy of the material contained herein at the time of the publication and presentation, neither the author, presenter, promoters nor the publishers will bear any responsability or liability for any action taken by any person, persons or organisations on the purported basis information contained in the document herein. Without limiting the generality of thea foregoing, no person, persons or organisations should invest money or take other action on reliance of the material contained in this material but instead should satisfy themselves independently (be seeking expert advice or otherwise) of the appropriateness of any such action. Any general financial advice or financial product advice is only provided ny licensing individuals who hold all the appropriate licensing required by the ASIC. All other information provided is for educational purposes only.