This information has been prepared and issued by Australian Advisor Collective Pty Ltd (AAC) ABN 37 626 468 166, AFSL 511679. It contains factual information, risk management philosophy and general financial advice only and has been prepared without taking into account the objectives, financial situation or needs of any individual, partnership or registered entity. The information provided is not intended to be a substitute for professional financial product advice and you should determine its appropriateness having regard to you or your client’s particular circumstances. This document is not a Product Disclosure Document and is has not been provided to allow consideration of a specific financial product for acquisition or disposal. While all care has been taken in the preparation of this document (using sources believed to be reliable and accurate) no person, including AAC, or any member or associate of the AAC collective group, accepts responsibility for any loss suffered by any person arising from reliance on this information.