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Disclaimer: This publication is general information only and is intended to assist you in understanding the services offered by the Empower Wealth Group of Advisory Companies. Each company is a separate entity and has affiliations with the other entities within the group. The information contained in this publication is for Australian residents only. The information does not take into account the particular investment objectives or financial situation of any potential reader. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. No investment decision or activity should be undertaken on the basis of this information without first seeking qualified and professional advice. The Empower Wealth Group of Advisory Companies, its employees or contractors do not represent or guarantee that the information is accurate or free from errors or omissions and therefore provide no warrantees or guarantees. The Empower Wealth Group of Advisory Companies disclaims any and all duty of care in relation to the information and liability for any reliance on investment decisions, claiming the use or guidance of this publication or information contained within it.

Empower Wealth Group of Advisory Companies: Empower Wealth is the trading name of Integrated Pathways Pty Ltd ATF Integrated Pathways Unit Trust ABN: 13 653 728 295. Empower Wealth Financial Services Pty Ltd ABN: 61 144 731 644 is an authorised Representative of SIRA Group (Australian Financial Services Licence Number: 278423). Empower Wealth Advisory Pty Ltd ABN 27 158 698 429. Empower Wealth Mortgage Advisory ABN: 31 158 698 447. Australian Credit Licence Number 428266. Empower Wealth Buyers Advocates Pty Ltd ABN: 87 601 745 975. VIC Real Estate Licence: 076671L. Director: Benjamin James Kingsley. Officer in Effective Control: Benjamin James Kingsley. Empower Wealth Education Pty Ltd ABN: 46 159 202 669

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