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Disclosure: phb Financial Planning Pty Ltd and Pieter Botha are Authorised Representatives of the Lionsgate Financial Group Pty LTD. [ABN 92 140 591 484, AFSL No. 591 484] General Advice Warning: In preparing any advice in this communication, we have not taken into account any particular person's objectives, financial situations, or needs. You should, before acting on this information, consider the appropriateness of this information having regard to your personal objectives, financial situation, or needs. We recommend you obtain financial advice specific to your situation before making any financial investment or insurance decision. Please see our FSG Part 1 & Part 2