This publication has been issued by CATS Financial Planning ABN 78 151 556 839. CATS Financial Planning is a Corporate Authorised Representative (no:407786) of Libertas Financial Planning Pty Ltd.

The information contained in this newsletter is of a general nature only and does not take into account your
particular objectives, financial situation or needs. Accordingly the information should not be used, relied
upon or treated as a substitute for specific financial advice. Whilst all care has been taken in the preparation
of this material, no warranty is given in respect of the information provided, CATS Financial Planning, Libertas Financial Planning Pty Ltd, nor its employees or agents shall not be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.