Financial Services Guide Part 1 Version 12 Date: 21st March 2022 and Part 2  Version 7 Date: 23rd October 2023

It is important that you read this Financial Services Guide (FSG). It contains information that will help you decide whether to use any of the financial services offered by us, as described in this guide, including:

–    who we are and how we can be contacted
–    the advice and services we provide
–    information about our licensee Nextplan Financial Pty Ltd
–    our fees and how we, your adviser and Nextplan Financial, are paid in connection with those services
–    how we manage your private information
–    how you can complain about a matter relating to us or Nextplan Financial Pty Ltd