The Smart Money Guide has been prepared for information purposes only and is dependent upon the completeness and accuracy of the information you include and is for your use only. You should speak to your financial adviser before making any investment decision and to ensure that your tax position has been appropriately reflected in the Smart Money Guide. While RMG Charter Financial Services Ltd ABN 35 002 976 294, holder of Australian Financial Services Licence no 234665, believes the Smart Money Guide provides accurate calculations based on the information included, no warranty of accuracy, reliability or completeness is given, and except for liability under statute which cannot be excluded, no liability of errors is accepted.