Advice Warning

In preparing any advice in this site Financial Horizons (Cairns) Pty Ltd trading as Financial Horizons, ABN 67 010 884 830 has not taken into account any particular persons objectives, financial situation or needs. Investors should, before acting on this information, consider the appropriateness of this information having 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.

Financial Horizons (Cairns) Pty Ltd trading as Financial Horizons, ABN 67 010 884 830
Suite 2, Cairns Professional Centre, 92 Pease Street, Manoora  QLD  4870, is a Corporate Authorised Representative of Aon Hewitt Financial Advice Limited, ABN 13 091 225 642, AFSL No.239183

This information may be regarded as general advice. That is, your personal objectives, needs or financial situations were not taken into account when preparing this information.
Accordingly, you should consider the appropriateness of any general advice we have given you, having regard to your own objectives, financial situation and needs before acting on it.
Where the information relates to a particular financial product, you should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product.

FSCG and Adviser Profiles

To view Aon Hewitt Financial Advice Limited's Financial Services and Credit Guide, click here.

To view Sara Millard's Adviser Profile, click here.

To view David Millard's Adviser Profile, click here.

Legal Notice

These are the terms and conditions for use of this site and access to the information contained on this site.

Neither Aon Hewitt Financial Advice Limited, ABN 13 091 225 642, AFSL No.239183, an Australian Financial Services License holder, nor its Authorised Representatives David Millard, Sara Millard, and Financial Horizons (Cairns) Pty Ltd, ABN 67 010 884 830 trading as Financial Horizons warrant or represent that the information in this site is free from errors oromissions or is suitable for your intended use.

1. Aon Hewitt Financial Advice Limited and its Authorised Representatives:

(a) Do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained in this site and as to changes in circumstances after the date of publication that
may impact on the accuracy of the information;
(b) May change and update the information from time to time;
(c) Make no representation in relation to, and are not responsible in any way, for any other site you access through this site; and
(d) Own the copyright in the material available on this site.

2. Users of this site must not:

(a) Do anything to alter or modify the information in this site;
(b) Use the material in this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
(c) Distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
(d) Post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or
inappropriate.

3. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect in this site.

4. The information contained in this site is general information only made available to residents of Australia and its territories and New Zealand and is not intended to be a recommendation, offer or invitation to take up
securities or other investments. You should seek advice from an appropriately qualified professional on whether the information is
appropriate for your particular needs, financial situation and investment objectives.

5. Aon Hewitt Financial Advice Limited are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material
contained in this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by Aon Hewitt Financial Advice Limited.

6. All references in this site to "$" or "dollars" are references to Australian currency unless otherwise stated.

7. Users of this site agree to indemnify Aon Hewitt Financial Advice Limited from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed in the site by the user or from the alteration, modification of or addition to material on the site by the user.

8. No information, feedback, questions or comments placed on this site by any person other than Aon Hewitt Financial Advice Limited will be confidential or authorised or otherwise endorsed. Aon Hewitt Financial Advice Limited can reproduce, use, disclose and distribute the information to others in their absolute
discretion.

9. Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between Aon Hewitt Financial Advice Limited and other organisation (unless otherwise expressly stated). Aon Hewitt Financial Advice Limited does not control and is not
responsible for the content of any other site accessed via this site.

10. You consent to Aon Hewitt Financial Advice Limited monitoring your use of this site.

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