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Any advice in this website is general in nature and is provided by Charter Financial Planning Limited ABN 35 002 976 294 AFS License No. 234665 (Charter). The advice does not take into account your personal objectives, financial situation or needs. Therefore, before acting on this advice, you should consider the appropriateness of this advice having regard to those matters and consider the Product Disclosure Statement before making a decision about a product. Charter is part of the AMP Group and can be contacted on 1800 106 017. If you decide to purchase or vary a financial product, Charter and/or other companies within the AMP Group will receive fees and other benefits, which will be a dollar amount or a percentage of either the premium you pay or the value of your investments. You can ask us for more details.