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Disclosure Statement: Sterling Grange Financial Planning Pty Ltd (ASIC Corporate Authorised Representative #1292059), Carl Freshwater (ASIC Sub-Authorised Representative #1001097) and Jake Taylor (ASIC Sub-Authorised Representative #1251586) are authorised under Axies Pty Ltd (the Licensee) ABN 38 136 704 446 a subsidiary of Spark Financial Group ABN 15 621 553 786, the holder of Australian Financial Services Licence 339 384 | Financial Services Guide (FSG). 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.