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Disclosure statement: Heard Financial Pty Ltd is a Corporate Representative of LJFD Pty Ltd Australian Financial Service Licence Number: 438458 Australian Business Number: 23161715500. General Advice Warning: 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.