Disclosure Statement: HWP Financial Pty Ltd is corporate authorised representative no. 1253952, HWP Financial Pty Ltd is corporate authorised representative no. 440011 and IndexInvest Pty Ltd is corporate authorised representative no. 338895 of Zenith Representatives Pty Ltd, Australian Financial Services License (AFSL) no. 479263. Zenith Representatives Pty Ltd and IndexInvest Pty Ltd are related companies of the Holzworth Partners Group. Holding our own AFSL ensures that our advice is objective and not aligned with the profit or other motives of an institutional parent company. This independent ownership ensures we work for you. Financial Services Guide General Advice Warning: The information in this communication is provided for information purposes and is of a general nature only. It is not intended to be and does not constitute financial advice or any other advice. Further, the information is not based on your personal objectives, financial situation or needs. You are encouraged to consult a financial planner before making any decision as to how appropriate this information is to your objectives, financial situation and needs. Also, before making a decision, you should consider the relevant Product Disclosure Statement available from your financial planner.