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Published by Rhodes Docherty Financial Advisors. John Docherty, Fiona Fawcett and Arthur Favos are authorised representatives of Hillross Financial Services Limited ABN 77 003 323 ("Hillross"). Any advice in this publication is provided by Hillross. Hillross can be contacted by telephoning 1800 445 767 or you may send an email to info@hillross.com.au. Hillross is part of the AMP Group of companies. No remuneration or other financial benefits are paid to Hillross or their related companies or associates for providing advice in this publication. Any advice in this publication does not take account of your personal circumstances. Before relying on it to make a decision, you should consider how it applies to your overall circumstances or speak to a financial planner. Before deciding whether to buy or continue to hold any financial product including those referred to in this publication, you should also obtain and consider the Product Disclosure Statement for the product, which is available from your financial planner. Although this information was obtained from sources considered to be reliable, Rhodes Docherty Financial Advisors does not guarantee it is accurate or complete. The information in this publication is current as at the date of publishing and may change over time. Past performance is not an indication of future performance.