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The information on this website contains general advice and is provided by Smith McCarthy Wilson ABN 97 794 126 243 Authorised Representative No. 268633 of SMW Advisory Pty Ltd AFSL No. 544311. That advice has been prepared without taking your personal objectives, financial situation or needs into account. Before acting on this general advice, you should consider the appropriateness of it having regard to your personal objectives, financial situation and needs. You should obtain and read the Product Disclosure Statement (PDS) before making any decision to acquire any financial product referred to on this website. Please refer to our FSG (available at https://smithmccarthywilson.com.au/wp-content/uploads/2023/08/Financial-Services-Guide-FSG-Ver-4.pdf) for contact information and information about remuneration and associations with product issuers.