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Disclosure Statement: Future Needs Financial Services PTY LTD, ABN 61 609 828 444, CAR number 1238852, is an Corporate Authorized Representative of The Complete Planner Pty Limited ABN 48 077 994 104 (Australian Financial Services Licence No. 278161). General Advice Warning: The information in this communication is provided for information purposes and is of a general nature only. It is not intended to be and does not constitute financial advice or any other advice. Further, the information is not based on your personal objectives, financial situation or needs. You are encouraged to consult a financial planner before making any decision as to how appropriate this information is to your objectives, financial situation and needs. Also, before making a decision, you should consider the relevant Product Disclosure Statement available from your financial planner. Financial Services Guide (FSG)