The information provided does not take into account your personal circumstances, needs or objectives. Please seek personal financial, tax and legal advice prior to acting on any information on this website, including in blogs and on social media. While every effort has been made to ensure the information is accurate and reliable, the accuracy of that information is not guaranteed in any way.

Opinions expressed on the website, social media or in blogs constitute our judgement at the time of issue and are subject to change. Neither the Licensee, Flow Financial Planning Pty Ltd, nor any employees, authorised representatives or directors of the above entities give any warranty of accuracy, nor accept any responsibility for errors or omissions on this website.

Case studies on this website including blogs and social media are for illustration purposes only. The investment returns shown in any case studies are hypothetical examples only. They do not reflect the historical or future returns of any specific financial products.  Past performance is not a reliable guide to future performance as future returns may differ from and be more or less volatile than past returns. Flow Financial Planning Pty Ltd is not a registered tax agent. You should seek professional advice from a registered tax agent or accountant regarding any general tax information contained on this website regarding liabilities, obligations or claim entitlements that arise, or could arise, under taxation law.

This information has been prepared by Flow Financial Planning Pty Ltd Authorised Representative of Personal Financial Services Limited ABN 26 098 725 145, AFS Licence No. 234459, Registered office at Level 10, 88 Phillip Street, Sydney NSW 2000.