Merry Christmas for 2016, a Happy New Year and a prosperous 2017.

To all our clients and friends, we wish you a Merry Christmas, a Happy New Year, a restful break and a prosperous 2017

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The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.