EJM Financial Services Pty Ltd ABN 63 006 492 182.
Australian Financial Services Licence No 232 706. Copyright 2011 EJM.
EJM Financial Services is an Authorised Representative of AMP Financial
Planning Pty Limited ABN 89 051 208 327 (AMPFP). AMPFP holds an Australian
Financial Services Licence (No 232706). For further details including
the financial services we can offer you and how we are remunerated,
please read the Financial
Services & Credit Guide (PDF 320 KB). Any advice contained in this document
is of a general nature only and does not constitute personal financial
product advice. In preparing the advice no account was taken of the
objectives, financial situation or needs of any particular person.
Therefore, before making any decision, readers should consider the
appropriateness of the advice with regard to their particular objectives,