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Disclosure statement: Leedam Sheppard & Associates is a Corporate Authorised Representative of Hillross Financial Services (ABN 77 003 323 055, AFSL 232705).Leedam Sheppard & Associates trades as Leedam Sheppard & Associates.These are the Authorised Representatives of Hillross Financial working with Leedam Sheppard & Associates: Greg Fragoulis, Jim Sheppard, Lee Virgin, Richard Lovell, Glenn Pycock. These Authorised Representative are associated with Leedam Sheppard & Associates. This association may include that they are employed by Leedam Sheppard & Associates and/or fees and commisions are to be paid to Leedam Sheppard & Associates by Hillross Financial for distribution to the Authorised Representative. General Advice Warning: What you need to know: Any advice on this page is provided by Hillross Financial Services Limited and its financial planners (collectively 'we') as Authorised Representatives of Hillross Financial Services Limited ABN 77 003 323 055, AFS Licence No 232705. We can be contacted by telephoning 1800 445 767 or you can send us an email at info@hillross.com.au The advice is not based on your personal objectives, financial situation or needs. Accordingly you should consider how appropriate the advice is to those objectives, financial situation and needs before acting on the advice and, before buying any financial product, you should read the current product disclosure statement. Hillross Financial is part of the AMP Group of companies. However no remuneration or financial benefits are paid to us or Hillross Financial, related companies or associates of us or Hillross Financial in relation to the advice provided on this page. Financial Services and Credit Guide (FSCG): Please click here to find out more about our financial advice services and to view a copy of our Financial Services and Credit Guide (FSCG).