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In preparing any advice in this site Excel Financial Solutions, the trading name of Excel Financial Solutions (FP) Pty Ltd, ATF Excel Financial Planning, an Authorised Representative of Meritum Financial Group Pty Ltd, Australian Financial Services License number 245569 (Meritum Financial Group), registered office 105 – 153 Miller Street, North Sydney NSW 2060. ABN: 85 621 657 770 , has not taken into account any particular person’s objectives, financial situation or needs.

Investors should, before acting on this information, consider the appropriateness of this information with regard to their personal objectives, financial situation or needs. We recommend investors obtain financial advice specific to their situation before making any financial investment or insurance decision.