Sean was a professional track and field athlete prior to starting his career in the finance industry.

Sean Won a gold medal for Australia at the 2006 Commonwealth games.

He won a silver and gold medal at the 2010 Commonwealth Games and has also represented Australia at the 2008 Olympics.

His successes in the sporting arena are what have given him the determination and grit that it takes to be a successful finance broker.

Sean specialises in securing finance for millennial’s and helping them along their way to home ownership. He has extensive experience working with clients from all over Australia and he is dedicated to helping his clients throughout the whole process.




Connect with Sean here:

LinkedIn: https://www.linkedin.com/in/melbournefinancebroker

Instagram:   https://instagram.com/seanwroe?utm_medium=copy_link

Twitter: https://twitter.com/seanwroe?s=21

Website: https://www.sakurafinance.com.au/

 

Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!

 

Check out more about us here:

www.moneymechanics.com.au

www.scottmalcolm.com.au

Check out our Financial Service Guide and Privacy Policy here.

 

Follow and like us on socials:

Instagram: @moneymechanics

Twitter: @moneymechanics

 

Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523

 

General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. 

 

Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.  

 

Ideally we suggest you speak with a licensed financial planner and seek out personal advice.

Sean was a professional track and field athlete prior to starting his career in the finance industry.
Sean Won a gold medal for Australia at the 2006 Commonwealth games.
He won a silver and gold medal at the 2010 Commonwealth Games and has also represented Australia at the 2008 Olympics.
His successes in the sporting arena are what have given him the determination and grit that it takes to be a successful finance broker.
Sean specialises in securing finance for millennial&rsquo;s and helping them along their way to home ownership. He has extensive experience working with clients from all over Australia and he is dedicated to helping his clients throughout the whole process. 
 Connect with Sean here:
LinkedIn:&nbsp;<a href="https://www.linkedin.com/in/melbournefinancebroker">https://www.linkedin.com/in/melbournefinancebroker</a><a href="https://www.linkedin.com/in/amanda-pond-rlp-fchfp-348b3646/"></a>
Instagram: &nbsp;&nbsp;<a href="https://instagram.com/seanwroe?utm_medium=copy_link">https://instagram.com/seanwroe?utm_medium=copy_link</a>
Twitter:&nbsp;<a href="https://twitter.com/seanwroe?s=21">https://twitter.com/seanwroe?s=21</a>
Website:&nbsp;<a href="https://www.sakurafinance.com.au/">https://www.sakurafinance.com.au/</a>
&nbsp;
Thanks for listening!&nbsp; We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!
&nbsp;
Check out more about us here:
<a href="http://www.moneymechanics.com.au">www.moneymechanics.com.au</a>
<a href="http://www.scottmalcolm.com.au">www.scottmalcolm.com.au</a>
<a href="https://www.platformplus.com.au/OfficeLegal.aspx?t=ozltyLOCOx3CUEprGCaV%2fv0Y5Vt2DhXlheKWWnXu7ziOrbFGhs4OES6xbWD9dkK4zsu%2bH9MFqmSRctEzB6KzTw%3d%3d">Check out our Financial Service Guide and Privacy Policy here.</a>
&nbsp;
Follow and like us on socials:
Instagram:&nbsp;<a href="https://www.instagram.com/moneymechanics/">@moneymechanics</a>
Twitter:&nbsp;<a href="https://twitter.com/MoneyMechanics">@moneymechanics</a>
&nbsp;
Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523
&nbsp;
General Advice Warning&nbsp;Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.&nbsp;
&nbsp;
Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. &nbsp;Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. &nbsp;Past performance of financial products is no assurance of future performance. &nbsp;Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. &nbsp;
&nbsp;
Ideally we suggest you speak with a licensed financial planner and seek out personal advice.

As human beings we share a commonality.  We are all born into the financial system in which we live.  On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt.

Welcome to Looking Under the Hood – a podcast all about helping you to unpacking money so you can move towards financial freedom.

I’m Scott Malcolm, I’ve always been curious to understand how things work.  When I was a kid there was that one time, I pulled apart our family toaster to see how it worked – sorry again Mum and Dad!

When I became a financial planner – fresh out of Uni in 2000 I had the same desire to get a deep understanding of the money stuff and how to make it work for you.

What I have learnt and seen working with clients is that the Money stuff is no different.  If you have an understanding of how the system works and how you relate to it, you can empower yourself for a better financial future.

My aim of this podcast is to give you money insights as we ‘look under the hood’ and unpack how the financial system works, and provide some stories around clients situations I have worked with over the last few decades to give you greater understanding of you and the money in your life.

We will kick of our first series to look under the hood and unpack money in the context of the Australian financial system.  While tax and retirement systems change between countries the fundamentals and foundations of money are a shared human experience.

Financial planning weather you are doing it yourself or paying for professional advice, is all about having a decision making framework in place to navigate your life transitions as you move through startup phase, accumulation phase and then into retirement or financial freedom phase.

I look forward to taking on you a journey to unpack your money stuff and get the foundations in place to be living your ideal life.

Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!

_

Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523

General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. 

Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.

Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.  

Ideally we suggest you speak with a licensed financial planner and seek out personal advice!

As human beings we share a commonality.&nbsp; We are all born into the financial system in which we live.&nbsp; On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt.
Welcome to Looking Under the Hood &ndash; a podcast all about helping you to unpacking money so you can move towards financial freedom.
I&rsquo;m Scott Malcolm, I&rsquo;ve always been curious to understand how things work.&nbsp; When I was a kid there was that one time, I pulled apart our family toaster to see how it worked &ndash; sorry again Mum and Dad!
When I became a financial planner &ndash; fresh out of Uni in 2000 I had the same desire to get a deep understanding of the money stuff and how to make it work for you.
What I have learnt and seen working with clients is that the Money stuff is no different.&nbsp; If you have an understanding of how the system works and how you relate to it, you can empower yourself for a better financial future.
My aim of this podcast is to give you money insights as we &lsquo;look under the hood&rsquo; and unpack how the financial system works, and provide some stories around clients situations I have worked with over the last few decades to give you greater understanding of you and the money in your life.
We will kick of our first series to look under the hood and unpack money in the context of the Australian financial system.&nbsp; While tax and retirement systems change between countries the fundamentals and foundations of money are a shared human experience.
Financial planning weather you are doing it yourself or paying for professional advice, is all about having a decision making framework in place to navigate your life transitions as you move through startup phase, accumulation phase and then into retirement or financial freedom phase.
I look forward to taking on you a journey to unpack your money stuff and get the foundations in place to be living your ideal life.
Thanks for listening!&nbsp; We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!
_
Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523
General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.&nbsp;
Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.
Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. &nbsp;Past performance of financial products is no assurance of future performance. &nbsp;Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. &nbsp;
Ideally we suggest you speak with a licensed financial planner and seek out personal advice!

Money Mechanics with Scott Malcolm

Unpacking the Mortgage Market with Sean Wroe

Kylie has 12 years of experience in the not-for-profit and Corporate Social Responsibility space, as a Fundraising and Marketing expert. She is experienced in startup environments, building innovative campaigns with $0 budget and evolving them into successful global movements. A great demonstration of this was her work launching and growing the Polished Man campaign. Kylie has been recognised as one of Australia’s leaders in the space and was awarded as the ‘2019 Mover and Shaker’ by the Fundraising and Philanthropy Magazine.



Connect with Kylie here:

Website: https://seedlinggiving.com.au/

LinkedIn Kylie: https://www.linkedin.com/in/kylie-wallace-%F0%9F%8C%BF-%F0%9F%8C%B8-a245b719/



Resources:
Tax Calculator - here
eBook - 12 THINGS YOU MUST KNOW BEFORE DONATING TO ANY CHARITY





Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!



Check out more about us here:

www.moneymechanics.com.au

www.scottmalcolm.com.au

Check out our Financial Service Guide and Privacy Policy here.



Follow and like us on socials:

Instagram: @moneymechanics

Twitter: @moneymechanics



Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523



General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. 



Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.  

Kylie has 12 years of experience in the not-for-profit and Corporate Social Responsibility space, as a Fundraising and Marketing expert. She is experienced in startup environments, building innovative campaigns with $0 budget and evolving them into successful global movements. A great demonstration of this was her work launching and growing the Polished Man campaign. Kylie has been recognised as one of Australia’s leaders in the space and was awarded as the ‘2019 Mover and Shaker’ by the Fundraising and Philanthropy Magazine.
 
Connect with Kylie here:<a href="https://www.wealthadvice.com.au/"></a>
Website: <a href="https://seedlinggiving.com.au/">https://seedlinggiving.com.au/</a>
LinkedIn Kylie: <a href="https://www.linkedin.com/in/kylie-wallace-%F0%9F%8C%BF-%F0%9F%8C%B8-a245b719/">https://www.linkedin.com/in/kylie-wallace-%F0%9F%8C%BF-%F0%9F%8C%B8-a245b719/</a>
 
Resources:
<ul>
<li>Tax Calculator - <a href="https://seedlinggiving.com.au/tax-calculator" data-outlook-id="0e99e2da-53e6-4aba-aed8-cafb9f21083a">here</a></li>
<li>eBook - <a href="https://seedlinggiving.com.au/free-ebook" data-outlook-id="e07af751-9016-4bda-9ea9-68eeee66e467">12 THINGS YOU MUST KNOW BEFORE DONATING TO ANY CHARITY</a></li>
</ul>
 
 
Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!
 
Check out more about us here:
<a href="http://www.moneymechanics.com.au">www.moneymechanics.com.au</a>
<a href="http://www.scottmalcolm.com.au">www.scottmalcolm.com.au</a>
<a href="https://www.platformplus.com.au/OfficeLegal.aspx?t=ozltyLOCOx3CUEprGCaV%2fv0Y5Vt2DhXlheKWWnXu7ziOrbFGhs4OES6xbWD9dkK4zsu%2bH9MFqmSRctEzB6KzTw%3d%3d">Check out our Financial Service Guide and Privacy Policy here.</a>
 
Follow and like us on socials:
Instagram: <a href="https://www.instagram.com/moneymechanics/">@moneymechanics</a>
Twitter: <a href="https://twitter.com/MoneyMechanics">@moneymechanics</a>
 
Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523
 
General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. 
 
Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.

Unpacking Giving, Donations and Deductions with Kylie Wallace

Lisa Eriksson is the owner and principal clinical psychologist of Eriksson Psychology. Lisa predominantly works with adults to overcome a wide range of mental health concerns including depression, anxiety disorders, PTSD and complex trauma. She also has experience in working with neurodiverse, gender diverse and LGBTQIA+ populations.

She has a broad range of experience having worked previously in occupational rehabilitation, with non-for-profit organisations, in health care settings, and most recently in private practice.

Lisa completed her Master of Clinical Psychology degree from the University of Canberra in 2016 and has trained in clinical therapies including cognitive behavioural therapy (CBT), schema therapy, trauma focused cognitive behavioural therapy and EMDR.

Connect with Lisa here:

Website: https://erikssonpsychology.com/

LinkedIn: https://www.linkedin.com/in/lisa-eriksson

Instagram: https://www.instagram.com/erikssonpsychology/

Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!



Check out more about us here:

www.moneymechanics.com.au

www.scottmalcolm.com.au

Check out our Financial Service Guide and Privacy Policy here.



Follow and like us on socials:

Instagram: @moneymechanics

Twitter: @moneymechanics



Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523



General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. 



Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.  

Lisa Eriksson is the owner and principal clinical psychologist of Eriksson Psychology. Lisa predominantly works with adults to overcome a wide range of mental health concerns including depression, anxiety disorders, PTSD and complex trauma. She also has experience in working with neurodiverse, gender diverse and LGBTQIA+ populations. She has a broad range of experience having worked previously in occupational rehabilitation, with non-for-profit organisations, in health care settings, and most recently in private practice. Lisa completed her Master of Clinical Psychology degree from the University of Canberra in 2016 and has trained in clinical therapies including cognitive behavioural therapy (CBT), schema therapy, trauma focused cognitive behavioural therapy and EMDR.
Connect with Lisa here:
Website: <a href="https://erikssonpsychology.com/">https://erikssonpsychology.com/</a> 
LinkedIn: <a href="https://www.linkedin.com/in/lisa-eriksson-b1608715b/?originalSubdomain=au">https://www.linkedin.com/in/lisa-eriksson</a><a href="http://www.linkedin.com/in/drkatherinehunt" data-saferedirecturl="https://www.google.com/url?q=http://www.linkedin.com/in/drkatherinehunt&amp;source=gmail&amp;ust=1638330830572000&amp;usg=AOvVaw30PP37rcTfRCHMsjb2eXsA"></a>
Instagram: <a href="https://www.instagram.com/erikssonpsychology/">https://www.instagram.com/erikssonpsychology/</a> 
Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!
 
Check out more about us here:
<a href="http://www.moneymechanics.com.au">www.moneymechanics.com.au</a>
<a href="http://www.scottmalcolm.com.au">www.scottmalcolm.com.au</a>
<a href="https://www.platformplus.com.au/OfficeLegal.aspx?t=ozltyLOCOx3CUEprGCaV%2fv0Y5Vt2DhXlheKWWnXu7ziOrbFGhs4OES6xbWD9dkK4zsu%2bH9MFqmSRctEzB6KzTw%3d%3d">Check out our Financial Service Guide and Privacy Policy here.</a>
 
Follow and like us on socials:
Instagram: <a href="https://www.instagram.com/moneymechanics/">@moneymechanics</a>
Twitter: <a href="https://twitter.com/MoneyMechanics">@moneymechanics</a>
 
Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523
 
General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. 
 
Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.

Unpacking "Being Lazy" with Lisa Eriksson

Dr Katherine Hunt is a Growth Authority and Ethical Expert who combines education in Psychology, Law and Economics with two decades of working with businesses and their leaders. She is currently a Core Faculty member at Portfolio Construction Forum, where she shares her insights and expertise on human factors, ethics, and growth strategies with financial professionals and investors.

Katherine has a unique authority as an award-winning financial planner, an international doctorate holder, and a published researcher in academic journals. She has also worked as an academic at Griffith University, teaching and conducting research projects on microfinance regulation, risk profiling, and historical persistence in Australia. She has traveled and surfed in over 60 countries, despite a fear of drowning, and is the author of On The Hunt, a book on ethical growth.

Resources:

https://faaa.au/wp-content/uploads/2023/11/Navigate-Wed-0915.pdf

Check out Articles Katherine has published here:

https://orcid.org/0000-0002-6449-7357



Connect with Katherine here:

LinkedIn: www.linkedin.com/in/drkatherinehunt



Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!



Check out more about us here:

www.moneymechanics.com.au

www.scottmalcolm.com.au

Check out our Financial Service Guide and Privacy Policy here.



Follow and like us on socials:

Instagram: @moneymechanics

Twitter: @moneymechanics



Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523



General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. 



Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.  

Dr Katherine Hunt is a Growth Authority and Ethical Expert who combines education in Psychology, Law and Economics with two decades of working with businesses and their leaders. She is currently a Core Faculty member at Portfolio Construction Forum, where she shares her insights and expertise on human factors, ethics, and growth strategies with financial professionals and investors. Katherine has a unique authority as an award-winning financial planner, an international doctorate holder, and a published researcher in academic journals. She has also worked as an academic at Griffith University, teaching and conducting research projects on microfinance regulation, risk profiling, and historical persistence in Australia. She has traveled and surfed in over 60 countries, despite a fear of drowning, and is the author of On The Hunt, a book on ethical growth.
Resources:
<a href="https://faaa.au/wp-content/uploads/2023/11/Navigate-Wed-0915.pdf">https://faaa.au/wp-content/uploads/2023/11/Navigate-Wed-0915.pdf</a>
Check out Articles Katherine has published here:
<a href="https://orcid.org/0000-0002-6449-7357">https://orcid.org/0000-0002-6449-7357</a>
 
Connect with Katherine here:
LinkedIn: <a href="http://www.linkedin.com/in/drkatherinehunt" data-saferedirecturl="https://www.google.com/url?q=http://www.linkedin.com/in/drkatherinehunt&amp;source=gmail&amp;ust=1638330830572000&amp;usg=AOvVaw30PP37rcTfRCHMsjb2eXsA">www.linkedin.com/in/drkatherinehunt</a>
 
Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!
 
Check out more about us here:
<a href="http://www.moneymechanics.com.au">www.moneymechanics.com.au</a>
<a href="http://www.scottmalcolm.com.au">www.scottmalcolm.com.au</a>
<a href="https://www.platformplus.com.au/OfficeLegal.aspx?t=ozltyLOCOx3CUEprGCaV%2fv0Y5Vt2DhXlheKWWnXu7ziOrbFGhs4OES6xbWD9dkK4zsu%2bH9MFqmSRctEzB6KzTw%3d%3d">Check out our Financial Service Guide and Privacy Policy here.</a>
 
Follow and like us on socials:
Instagram: <a href="https://www.instagram.com/moneymechanics/">@moneymechanics</a>
Twitter: <a href="https://twitter.com/MoneyMechanics">@moneymechanics</a>
 
Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523
 
General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. 
 
Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.

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