The information contained in this website is provided for general information only. New Wealth Financial Pty Limited, New Wealth Tax & Accounting Services Pty Limited and New Wealth Lending Pty Limited (collectively “New Wealth”) do not warrant the accuracy, adequacy or completeness of the information contained in this website. To the maximum extent permitted by law, New Wealth disclaims responsibility for any decision taken on the basis of the information shown in or omitted from this website.

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information.

Before acquiring a financial product a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.

Past performance is not a reliable guide to future returns as future returns may differ from and be more or less volatile than past returns.

The material contained in this document is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate.

Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this document.

From time to time members of the National Australia group of companies, associated employees or agents may have an interest in or receive monetary or other benefits from the financial products and services mentioned in this website.  The Licensee is associated with issuers of MLC Investments Limited, MLC Limited, NAB OnLine Trading Limited, Jana Investment Advisers Pty Limited, PLUM Financial Services Limited and National Australia Bank Limited products and services.

New Wealth Financial Pty Limited (Registered Office: Suite 219, 111 Harrington Street, The Rocks NSW 2000) and Konstantine Gramelis are Authorised Representatives of Apogee Financial Planning Limited an Australian Financial Services and Credit Licensee (Number 230 689) (Registered Office: 105-153 Miller Street, North Sydney NSW 2060).

Accounting and taxation advice and services provided by Konstantine Gramelis (Trading as New Wealth Tax & Accounting Services Pty Limited) are not authorised by Apogee Financial Planning Limited and Apogee Financial Planning Limited is not responsible for the taxation advice and services provided. Home loans and any lending services offered by New Wealth Lending Pty Limited are not authorised by Apogee Financial Planning Limited and Apogee Financial Planning Limited is not responsible for the home loan advice and services provided.

Terms and Conditions

These are the terms and conditions for use of this site and access to the information contained on this site.

1.      Apogee Financial Planning Limited, its authorised representatives and other members of the National Australia group of companies:

(a)     do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained on this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;

(b)     may change and update the information from time to time;

(c)     make no representation in relation to, and are not responsible in any way, for the content of any other site you access via this site; and

(d)     own the copyright in the information on this site.

2.      Any trademarks appearing on this site are the trademarks of a member of the National Australia group of companies or a third party. Users must not use or reproduce any of the trademarks that appear on this site.

3.      Users of this site must not:

(a)     do anything to alter or modify the information on this site;

(b)     use the material on this site for any purpose other than as a source of information for personal use unless authorised to the contrary;

(c)     distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;

(d)     post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or inappropriate.

4.      Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect on this site.

5.      The information contained on this site is made available to residents of Australia and its territories and is not intended to be a recommendation, offer or invitation to take up securities or other investments.

6.      Apogee Financial Planning Limited and other members of the National Australia group of companies are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained on this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by Apogee Financial Planning Limited and other members of the National Australia group of companies.

7.      All references on this site to “$” or “dollars” are references to Australian currency unless otherwise stated.

8.      Users of this site agree to indemnify Apogee Financial Planning Limited and other members of the National Australia group of companies from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed on the site by the user or from the alteration, modification of or addition to material on the site by the user.

9.      Apogee Financial Planning Limited and other members of the National Australia group of companies do not endorse and are not responsible for information, feedback, questions or comments placed on this site by third parties. Apogee Financial Planning Limited and other members of the National Australia group of companies can reproduce, use, disclose and distribute the information to others in their absolute discretion.

10.    Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between Apogee Financial Planning Limited and other organisation (unless otherwise expressly stated). Apogee Financial Planning Limited does not control and is not responsible or the content of any other site accessed via this site.

11.    You consent to Apogee Financial Planning Limited monitoring your use of this site.