The information on these pages is provided in good faith and is to the best of our knowledge accurate. We provide it without any warranty as to its correctness of statement or opinion or its suitability for any particular purpose. Any advice on this website is of necessity general in nature and not specifically tailored to suit differing individual circumstances. For that, you must seek independent financial and/or taxation advice, you are advised to obtain any relevant Product Disclosure Statement and you must use your own judgment in investing your own money. David Kutcher Financial Planning Pty Ltd can accept no liability for any decisions that you may make based on the information on this website.