Here’s the obligatory disclaimer. Please don’t think that this website is providing you with specific financial advice – it isn’t.

All we can do on this site is provide you with information on general financial concepts and strategies. Whether these strategies are right for your personal financial situation is another matter. We can’t help you with that – you need to get specific financial advice from somewhere.

And when we link to an external site, it’s because we think there’s something worthwhile looking at there. But please don’t assume that we’ll take responsibility for anything on those sites – we don’t own them!

And sometimes we’ll recommend¬† products you may like to purchase. These may be affiliate links which means that if you do make a purchase through our link, we’ll receive a payment from the seller.

Here’s the proper legal disclaimer. We know you’ll want to read it.


The information (including taxation) in this website is general advice only and does not constitute personal advice. It has been prepared without taking into account any of your individual objectives, financial solutions or needs. Before acting on this advice you should consider the appropriateness of this advice, having regard for your own objectives, financial situation and needs. You should seek personal financial advice from a qualified financial adviser before acting on the advice.

Where historical performance information is stated, please note that past performance is no guarantee of future performance.


As a convenience to you this website may contain links to other sites independently maintained by others. Because we do not control these other sites, we cannot be responsible for the content or accuracy of the information or other material on these linked sites. The fact that we have provided a link to another website does not mean that we make a recommendation or give any endorsement or approval of any products or services contained in those other sites.


We make no representation or warranty as to the accuracy, reliability or completeness of material in this site or in sites linked to this site. Except to the extent that liability under any statute cannot be excluded we do not accept any liability (in contract, tort, negligence or otherwise) for any error or omissions in this material or for any loss or for any loss or damage (direct, indirect, consequential or otherwise) suffered by any person.