Up Wealth Canberra Pty Ltd, ABN: 31 169 517 542, Up Wealth South Coast Pty Ltd, ABN: 78 169 517 300 and Up Wealth Sydney Pty Ltd, ABN: 57 616 370 337 are wholly owned subsidiaries of Up Wealth Management Pty Ltd ABN: 63 169 516 492. Up Wealth Sydney Pty Ltd, Up Wealth Canberra Pty Ltd and Up Wealth South Coast Pty Ltd trade as Up Wealth Management and are Corporate Authorised Representatives of Consultum Adviser Services Limited ABN: 65 006 373 995, Australian Financial Services Licensee 230 323, Registered Office at Level 6, 161 Collins Street, Melbourne VIC 3000 and a member of the IOOF Group of companies.

Mark Connell, Brett Billington, Aaron Hopkins and Michael de Bomford are Authorised Representatives of Consultum Adviser Services Limited ABN 65 006 373 995.

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 and tax and/or legal advice prior to acting on this information. The material contained in this newsletter 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 IOOF group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this email.