The following commentary and research information deal with the legislative and regulatory aspects of Financial and Estate Planning, and the Administration and Management of Superannuation, namely self managed superannuation funds.

It is intended to be educational, informative and thought-provoking. The contents of these reports are of a general nature and do not constitute personal investment advice.

The information is provided without taking into account the investment objectives, financial situation or particular needs of any particular person. Prospective investors are advised to consider their own financial circumstances and investment objectives and to seek independent investment advice.

| A superpower torn down the middle cannot return to business as usual. And when the most powerful country is so divided, everybody has a problem - the geopolitical recession can only intensify |