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This website is published by Indalia Australia Pty Ltd. Kerry Farquharson [AR 1002608]; Joel Little [AR 330795] and Indalia Australia Pty Ltd [AR 1282558] trading as Sage Financial Advice are Authorised Representatives of Synchron Advice Pty Ltd (ABN 33 007 207 650), AFSL 243313. The information contained in this website and any of the resources available through it including eBooks, fact sheets and seminars (‘Content’) has been prepared for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the Content. Financial products entail risk of loss, may rise and fall, and are impacted by a range of market and economic factors, ad you should always obtain professional advice to ensure trading or investing in such products is suitable for your circumstances. Under no circumstances will any of Indalia Australia Pty Ltd trading as Sage Financial Advice, Synchron Advice Pty Ltd, its officers, representatives, associates or agents be liable for any loss or damage, whether direct, incidental or consequential, caused by reliance on or use of the content. This content is restricted to Australian residents and is for the intended recipient only. From time to time, Indalia Australia Pty Ltd trading as Sage Financial Advice representatives or associates may hold interests in or transact in companies or products mentioned herein , and may receive fees or other benefits, in connection with the making of any recommendation or facilitating a transaction in such companies or products. See our latest Financial Services Guide (FSG)