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http://www.gurneyfinancialservices.com.au/

Gurney Financial Services, 24 Nangar Street, Woongarrah (2026)

17/10/2026

Pleasing personality

A pleasing personality is the aggregate of all the agreeable.

Gratifying and likable qualities of any one individual.

Believe in yourself- first and foremost!

What you believe yourself to be, you are.

The attitudes you transmit to others will tell more about Yourself than the words you say or how you look.

Enthusiasm comes from within.

It is a PMA characteristic.

You can generate enthusiasm by your thoughts,

Feelings and emotion.

It is essential that you develop a pleasing personality – Pleasing to yourself and others.
-Napoleon Hill-

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16/10/2026

Debunking Social Security and insurance
The existence of a sound social security system does not mean the government can or will meet the financial needs of people after an accident, illness, or death. Yet it is not surprising to hear that many people out there believe this is the case. Many Australians may be un-insured or under insured.
One of the advantages of living in a first world, developed nation is that we have universal health care and a social security system that provides basic levels of care for all Australians.

Yet, sadly, there is a persistent belief the social security system extends to providing financial support in the event of long-term illness, accident, or death.

Debunking the myth of the social security lifeline can go some way to helping you understand why being uninsured, or under-insured could leave you, and your family, in severe financial difficulty.

The tragedy of this belief is that people may not plan for the unexpected, nor put in place debt redemption strategies, and they do not allow for liquidity in their estate or investment planning if something tragic happens to them.

The following is a list, broken down in categories, of the things the government or social security will not do for people, their families, or businesses:

Medical Expenses
• Pay for special medications or treatment.
• Pay extra money for health emergencies.
• Pay a lump sum for a defined event or illness.
• Cover all a person’s last illness or final death expenses such as funerals, medical expenses, or hospital occupancy.

Family Debt
• Pay off a mortgage to ensure the family has a home.
• Pay off credit card or store debts.
• Pay extra income to a widow.
• Pay extra money for children’s education or health needs.
• Provide and pay for children’s education expenses.
• Pay local government, water, gas or electricity rates and costs.

Business Debt
• Payout business partners
• Redeem business debt.
• Extinguish overdrafts on draw down facilities.
• Extinguish debts on death.
• Extinguish debts in the case of long-term disability.

It is important to remember the social security system will not deal with these issues and even where it does supply financial support it will fall short of a properly constructed protection plan, which can do all the above when purchased, completed, and owned properly.

This list paints a grim picture of what will not happen if you fail to take up adequate insurance cover, but a financial adviser can assist in working out what is required.

Why You should have life insurance because you:
…have debts like a mortgage, credit cards or personal loans secured against assets to third parties.
…have dependants where expenses and debts can be quite large over a number of years. These costs include everyday living expenses and future promises of education or a start in life.
…are healthy and now is the best time to get non-cancellable contracts for full cover at standard rates. Waiting till later could mean exclusions, loadings, or outright refusal because of health issues.
…are the homemaker, especially if you have children. It costs a lot more than the average weekly wage to employ someone to do the all the work and running around you do out of love.
…are in a relationship and both in paid work. If you need two incomes to support your debt and lifestyle you need to cover that capital cost.
…have children from a previous relationship. Blended families and extra responsibilities create a greater need for protection for those whom you love who may no longer reside with you.
…have aged parents or dependant relatives. Caring for those older or not as fortunate is a big responsibility that takes love, time, and money, especially if you are not around.
…have financial responsibilities that need to be taken care of such as burial costs, private loans, income tax, rates, or credit card debts.
…are in a business partnership that has debt, liquidity, or equity positions to fulfil should death, disability or long-term injury occur for any of the partners.
…have a favourite charity, club, or cause you want to continue supporting. Many people can create immortality for themselves and longevity for their passion in life by gifting pre-ordained funds after they pass away.
…want to make bequests and final gifts to loved ones. A cash fund can be created to give loved, respected, loyal, and lifelong friends a simple thank you after you have passed on.
…want to inject liquidity into your estate for succession equality. Some estates are high in non-cashable assets like farms, land, businesses, and trusts. Life cover provides an excellent method of liquidity injection.

Serious accidents and unexpected health problems happen every day. No one is bullet proof but that does not mean the public purse will come to the rescue in a time of need.

Putting the right amount of money in the right hands in the quickest time is an economic responsibility, and no debt should last longer than the person who created it.

If you would like to review your current insurances, or receive a free quote for insurance, please contact our office. We would love to assist you in protecting you, your family, lifestyle, and income.

Need to speak to someone?
Need an accountant, solicitor, or mortgage broker?? Call us for a complimentary introduction.

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15/10/2026

Debt Management

To take control of your debt, the first thing you should do is a budget. This will allow you to see exactly how much you are earning and spending. It will also show where you are overspending and possibly where this expenditure can be reduced.

If the burden of debt is starting to take control of you, for some people to consolidate all of these debts into the one loan would be the best solution. Consolidation allows you to lower your overall interest rate and more easily manage your debt.

Loan consolidation will save you interest where your new repayment and loan term are at least equal to your total current loan repayments and loan terms. Otherwise, you could be converting your short-term debts into longer-term debt and be paying more interest in the long run.

One option is to use the equity in your residential premises. If you have owned your home over the last few years, with the fuelling property prices you are likely to have the capital to cover your existing mortgage, as well as other loans and credit cards. You would need to refinance your home loan which usually offers more competitive interest rates than Credit Cards and Personal Loans.

By paying less interest, more of your repayment can be used to reduce the debt. This assumes that you maintain the same overall repayments.

You should ensure that your existing home loan offers the features and flexibility to repay sooner rather than later.

To ensure you take control of your debts:

Review all your debts regularly.
• Close credit card and store accounts and have the discipline not to obtain more. Don't buy on credit; you are only using money you don't have.
• Credit cards can work well and to your advantage, as long as you use them correctly. Only use the interest free period.
• If you find yourself on the credit card round-a-bout, (that is every time you pay some money off you credit card you go out and put more on it), you have to STOP. You are spending more than you're earning.
• If you do retain a credit card, then ask the institution to reduce the limit to the minimum needed - this should be what you can comfortably repay each month.
• Every time your statement arrives pay twice the required amount. Realise that you can do without it. If you don't stop using credit you will ALWAYS be in debt.
• Resolve to spend money where it makes sense and cut back where it doesn't, paying particular attention to cash and expenditures. Your cheque book and credit card statements reveal big-ticket items, so that monitoring daily spending for a while may show where your money is slipping away in ways that don't give much satisfaction.
• Most importantly a disciplined approach is needed to ensure debts are not increased to fund unnecessary purchases - a good rule of thumb is that your liabilities should not exceed your assets - if they do - it probably means you have borrowed for the wrong reasons.
• Remember IT IS NEVER TOO LATE to take back control.
Review your spending patterns and curb these to fit within your budget!

The advice contained herein does not take into account any person’s particular objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a Financial Product persons should assess whether the advice is appropriate to their objectives, needs or financial situation. Persons may wish to make this assessment themselves or seek the help of an adviser. No responsibility is taken for persons acting on the information provided. Persons doing so, do so at their own risk. Before acquiring a financial product, a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.

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14/10/2026

Curious investor behaviour –
By Platinum Investment

Do I do that?

Our psychological conditioning hinders successful interaction with the stock market.

The mind tends to use short cuts in all aspects of the collection, weighting and interpretation of “facts”.

By being wary of our instinctive behaviour, we are more likely to avoid common pitfalls.

Kerr Neilson

Curious Investor Behaviour 1 - Framing

Since we fell losses more acutely than gains, people tend to seek positively framed information.

In a 1984 study, physicians were presented with a hypothetical case of an epidemic that wears expected to kill 600 people. Two programs to combat the disease were proposed: program A would result in 200 people being saved, whereas under program B, two-thirds of the 600 would die. 72% of respondents chose program A, even though the results were identical.

How do you frame your decisions - do you take information at face value, or do you question how it I presented?

Curious Investor Behaviour 2 - Anchoring

Faced with uncertainty, investors will grasp at any fixed point of reference when forming opinions.
In a classic experiment, behavioural psychologists Kahneman and Tversky asked two groups to guess the proportion of African nations that make joy the UN. The first group was asked whether the answers was higher or lower than 10%, while the second group was asked where it was higher or lower than 65%. The median response of the first group was 25% and the second group 45%. !
Can you imagine the perils of anchoring investment decisions on completely irrelevant information?

Curious investor behaviour 3 - Loss Aversion

According to empirical evidence, the pain of losing $100 is felt more than twice as much as the pleasure of gaining the same amount (Kahneman and Tversky, 1992).

Sadly, this irrational approach is evident in the Stockmarket. Many investors keep hanging on to losing stocks in the hope that one day, somehow, they will bounce back. Such is the distaste for loss that it causes a mental freeze which renders people incapable of sound judgement.
Loss aversion is a common condition. Think about it - facing a loss, do you sometimes freeze and refuse to acknowledge reality?

Curious Investor Behaviour 4 - Hindsight Bias

The mind seems to retain information in a series of compressed narratives, and to update “history” as new facts come to light.

While efficient in managing memory, this innate habit of hindsight bias can prevent us adequately learning from experience and is this most unhelpful to the task of investment.

Most of us can’t help ourselves - do you ever find yourself wiser after the event?

Curious Investor Behaviour 5 - Confirmation Bias

Once we have made a decision or formed a guideway, we subconsciously emphasise information which reinforces that view; at the same time, we tend to downplay contradictory information.

The confirmation bias is perhaps the most subversive of all the behaviour flaw because it prevents us from arriving at the truth and allows us to wallow in the comfort of our preconceptions and prejudices.

Can we learn without listening to others who have different points of view?

Curious Investor Behaviour 6 - Cognitive Dissonance

When there is a conflict between our beliefs and reality, we tend to to rationalise irrational behaviour.

Cognitive dissonance was first observed by Leon Festinger, a psychologist who studied a cult which believed that’s the earth was going to be destroyed by flood. When the flood didn’t arrive as expected, the cult leaders re- interpreted the evidence to prove that it was their faith and prayers that saved the world.

Investors, too are often guilty of engaging in similar self deception - do you ever find it difficult to let go of an idea or a stock that your are attached to?

Curious Investor Behaviour 7 - Representativeness

Many of us react to the daily avalanche of data by adopting shortcuts - we tend to generalise from a small sample, creating stereotypes and false patterns.

As example of this may be the assumption that Chinese shares had articulated n the recent economic boom in that region. You might be surprised to discover the Shanghai Composite Index had in fact fallen during this time.

Should you think twice before arriving at conclusions in a hurry?
Curious Investor Behaviour 8 - Availability Bias

Vivid, dramatic, and personal relevant events tend to colour our thinking - the more recent and salient the information, the more importance we attach to it.

Availability bias causes investors to assume that companies heavily covered by the media deserve special attention. Unfortunately, distinguishing between noise and information is not always easy. A study by Cornell University in 2001, found that the companies with the highest press coverage in any given year underperformed in the next two years.

Do you allow the limelight to influence your choices?

Curios Investor Behaviour 9 - Over Confidence

According to multiple studies into human behaviour, the majority of people consider themselves superior in most day-to-day activities - for example, over 90% of drivers believe they are better than average.!

Over confidence is a particularly dangerous trait in the field of investment. It leads to over estimation of one’s knowledge and under estimation of risks. In the late nighties, many investors enjoyed exceptional paper orbits in technology sticks and attributed their success to their ability.

As one astute observer put it, aim for Timid forecasts, and bold choices. In other words, underestimate your knowledge and overestimate risk.

Curious Investor Behaviours 10 - Herding

When investors are uncertain about the value if financial instruments, they typically default to a herding impulse; part of our evolutionary heritage that served us well in the past.

Sadly, herds are rules by the majority, so prevailing mood predominates. It takes s healthy dose of scepticism and nerves of steel to resist the temptation to run with the herd.

Perhaps we ought to keep reminding ourselves that a consensus view isn’t always necessarily right.

Curious Investor Behaviour 11 - Self Attribution Bias

A trait known as self-attribution bias presents a serious challenge to learning. It refers to situations where we attribute good outcomes to our skill, and bad outcomes to misfortune.

For example, a random streak of luck in the market can fuel a belief in our ability and lead to us taking more risks - until inevitably, our fortunes are reversed.

If we out our mistakes down to bad luck, what hope do we have of ever learning from them?

Curious Investor Behaviour 12 - Conservatism Bias

People tend to cling tenaciously to an opinion. Even when circumstances have changed, most people find it difficult to adjust their view.

A study by Dresdner Kleinwort Wasserstein in 2002, reveals that analysts’ forecasts typically trail reality - in fact most ‘forecasts’ are very good at telling you what just happened.

Perhaps we should pay heed to Darwin’s maxim: adaptability, not strength, is the key characteristic of survival.

Curious Investor Behaviour 13 - Retrospectascope

We found the tendency to look ahead through a rear-view mirror so delicious that we registered our own name for it - the Retrospectascope.

It comes into Olay when we indulge in revisiting history to extrapolate future outcomes. Needless to say, this behavioural bias stands in the way of rational investing.

Yet isn’t it just wonderful to fantasise about what could have been?

Curious Investor Behaviour 14 - Phase myopia

At different phases of the market, our perspectives change.

In the steepening down phase there’s a tendency to take an ever - narrower view of the facts, focusing on near - term risk rather than longer - term rewards Conversely, a developing bull market inspires an ever - more extravagant view of opportunities.

Have you ever found yourself suffering from this condition?

Curious Investor Behaviour 15 - Heuristic Simplification

According to Nobel Laureate Herbert Simon, people are so swamped with information that they react consciously to only a tiny part of it.

We adopt rules of thumb instead of absorbing the entire data. In general, shortfalls serve us well, but the simplifying processes that are normally efficient time savers can have disastrous consequences in the world of investment. Subjective and selective calculations produce distortions and errors of judgement.

Do you ever find yourself seduced by the convenience of shortcuts?

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13/10/2026

Building a portfolio that meets your objectives

Investing involves more than chasing returns. The purpose of your investment strategy is to ensure you are in the best possible position to meet your goal and fulfil your financial obligations.

A typical investor will have a number of financial goals they are trying to achieve, For example, they may wish to grow their wealth over a relatively long period or time, or they may have a specific need for income to pay for holidays, education or bills.

Meeting your goals requires an investment portfolio that balances these different objectives. Choosing the right strategy for you means thinking carefully about what you want to achieve and the level of risk you are prepared to take on.

Implementing your investment strategy

Exposing ourselves to risk is unavoidable when we invest, markets move up and down, and this will impact the value of our investments over time.

If you’re a young investor, you will be better able to withstand these ups and downs because you have a longer time horizon. If you are nearing retirement or already enjoying life after work, you are more likely focused on preserving the wealth you have built up, meaning you will prefer an investment portfolio that delivers steadier returns and income.

Regardless of your age, objectives or appetite for risk, you need a high quality, diversified portfolio that is tailored to your requirements.

By diversifying your investment and prudently selecting assists based on sound research and due diligence, you can achieve your target return with an acceptable level of risk, while meeting your financial goals.

Actively managing your portfolio

Markets continually evolve over time, so taking a “set and forget” approach to your wealth may not be the best way to achieve your goals. To minimise the impact of market falls and take advantage of opportunities as they arise, you are likely to benefit from an active approach to managing your portfolio that responds to market developments snd updates your portfolio quickly and efficiently.

Change in market dynamics
Discovery of new opportunity
Rebalancing a portfolio
Immediately implementation
Continuous monitoring

Active portfolio management requires continual monitoring of market conditions and a deep understanding of how individual investment products work - including which products are best suited to a different market conditions and objectives.

Unfortunately, this requires a great deal of time, resources and expertise, not to mention the high cost involved.

Previously, advisers would take a more active role in managing their clients wealth, choosing products to invest in - usually unit in a managed fund - making changes to the portfolio over time. Clients could monitor their portfolios performance, but there was little transparency and clients had not beneficial ownership of the underlying assets.

Whenever changes were made to the portfolio, the adviser had to get the clients approval before the changes could be implemented, potentially resulting in the client missing opportunities or taking avoidable risks.

Today, thanks to new technology and a cultural step change in hoe advice is delivered, there are new and better ways for you to access high quality, risk managed investment strategies that are tailored to your objectives, give your full visibility over your portfolio, and allow changes to be implemented immediately

One such solution is known as a managed account.

So what is a managed account?

A managed account is an investment scheme managed on an investors behalf by a professional investment manager. The manager is responsible for the investment decisions, but as the investor you retain beneficial ownership in the underlying assets.

Professional investment managers manage this component of your overall portfolio in line with an agreed mandate, based on the criteria you set with your financial adviser. Managed account are overseen by a Responsible Entity (RE) whose job it is to ensure that the portfolio is properly governed and that the investment manager doesn’t exceed their mandate.

With a managed account, and changes the investment manager makes are immediately implements, so you don’t have to worry about missed opportunities or risks due to delays.

Speak to your financial planner or give us a call on 43963007 if you wish o discuss further

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13/10/2026

Have you ever thought what would happen to your family?
If you were not around?
Who will own your home?
Will it remain with your family or will the Bank own it.
We are helping families protect themselves
And their families.
GFS can assist with Family Budgeting,
Personal Insurances and Superannuation.
Do you need a financial checkup???

Gurney Financial Services
Call Ph: 4396 3007
For your 1hr FREE Appointment

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12/10/2026

Personal initiative

Personal initiative bears the same relationship to an Individual that a self-starter bears to an automobile!
It is the power that assures completion Of anything one begins.
Personal initiative is the inner power that starts all action.
It is the dynamo that spurs the faculty of your imagination Into action and inspires you to finish what you start.

Personal initiative is self-motivation.

Today’s employer usually is yesterday’s employee
Who found opportunity waiting for him
At the end of the second mile.
-Napoleon Hill-

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11/10/2026

Quick Facts from GFS… Budgets

• In today's tough economic climate, it is more important than ever to budget and establish a savings plan. This is because budgeting is the best way for you to take control of your finances, save money and plan for the future.

• Sometimes it was easy to get away with a more casual approach to financial planning: you could be sure of earning enough to pay your bills, even if this meant looking for some extra overtime or taking a second job for a while. But those times are rare and wasted if you do not take advantage of them.

• A sound budget and a savings plan will help you achieve your immediate needs and long-term financial security. Few individuals or families know just how they spend their money.

• They know that at the end of their pay period - weekly, fortnightly, or monthly - it is all gone. A budget will change this. It is the direct and sensible approach to personal money management.

• Basically, a budget is a financial plan that itemises an individual's or a family's spending and helps accomplish short-term and long-term goals.

• Its main purpose is not to get you out of trouble - although it will help. Better still, it will keep you out of trouble in the first place.

• In fact, a budget is really an essential part of everyday life. Without a budget it just is not possible to cope with those unexpected bills and to see at a glance, how you can most easily cut back you’re spending.

• The ultimate aim of budgeting is to ensure that you can:

o Adequately meet all your financial commitments and
o Have some money left over to save.

• Set a savings goal that is within your reach and will not put a strain on your budget. Even if you begin by saving only a small amount each pay period, this will add up over a year to a respectable amount.

• Everyone will have his or her own savings target. But, as a general rule, we suggest you aim to save 10 per cent of your gross annual income: five per cent for short-term aims and five per cent for longer-term intensions. While this may not be practicable now, it is worth aiming to reach this goal in the future - and sooner rather than later.

• People with young families should aim to build up an emergency fund equal to three months take-home pay in case of retrenchment or emergencies. Remember:

o Your savings will help you through those difficult times and emergencies.
o Savings will free you from day-to-day money worries.
o If you have money saved, you can use it in emergencies instead of credit cards (with their high interest charges).
o By saving, you will establish a financial track record, which will be important when you apply for a loan for a major purpose (house, land or car).
o Your longer-term savings will help you build up income-producing investments for a better, more secure lifestyle.
o By saving and investing responsibly, you will contribute towards Australia's future by helping to create a national savings pool to fund our development and reduce our dependence on foreign capital.
o A dollar saved is a dollar earned

• Deciding to budget does not mean that you have to cut out spending on discretionary items that are important to your lifestyle.

• But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:

o Consider buying lower priced "generics" or items of a similar nature to your regular purchases.
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have.
o Avoid buying items that are of limited value to you or your family.
o Become a comparison shopper: watch the advertisements and be aware that prices vary from day to day on a whole range of goods from furniture to food.
o Watch for genuine sales and specials.
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know you can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.
o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items.
o Think about buying good second-hand items - check-out auctions and garage sales.
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash.
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.

• But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:

o Consider buying lower priced "generics" or items of a similar nature to your regular purchases.
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have.
o Avoid buying items that are of limited value to you or your family.
o Become a comparison shopper: watch the advertisements and be aware that prices vary
o from day to day on a whole range of goods from furniture to food.
o Watch for genuine sales and specials.
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know

• You can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.

o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items.
o Think about buying good second-hand items - check-out auctions and garage sales.
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash.
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.

• Try to be as realistic as possible. Do not make the budget so tight and demanding that it will be impossible to achieve your goals. Do not make it too generous - or you will destroy your incentive to budget and save. Be flexible - but disciplined.

• Partners should budget together. But involve everyone in your household - tell them about your budget and savings goals and why it is so important to achieve them.

• Do not be discouraged if you cannot get your budget to work - try again. Once you have set up a workable budget, you will find that budgeting becomes a habit.

Today is the best day to begin budgeting.

• There are two main items to consider: your INCOME and your EXPENDITURE.

• In the section headed INCOME, list all your incoming money (after tax).

• Expenditure:

o When you begin compiling your expenditure, it will be helpful if you have by you all the receipts from last year's bills that you can find.

o If you do not have these, keep a detailed list of your spending over the next few months. If you see some items that you can cut back on, note them for future attention.

o If you look after your possessions, they will last longer. Money spent on maintenance to extend life of a costly item can be money saved.

o Learn to be a good supermarket shopper. Make up a shopping list - and stick to it. Avoid impulse buying. Once in a while it is OK to buy something you do not really need. But if you let impulse shopping get out of hand it will overload your trolley and destroy your budget.

o When you have completed your Budget, add up all your income and expenditure and subtract the expenditure total from the income total. What is left over is your spare money for the year.

o As this is a yearly figure, you will need to divide this by 52 to bring it down to a weekly figure, by 26 to make it fortnightly or by 12 to make it monthly. This money is yours to spend or to save; we suggest you save it each pay period.

• You may find that you have a shortfall - in fact that you are spending more than you earn.

• If this is the case, you will need to go back and reassess your expenditure or, look for ways to increase your income. You may have made a mistake with your calculations. Or you may need to cut down on some area of your spending: entertainment, gifts, clothing, and luxury items.

• It is better for you (or your family) to make these decisions, rather than have them taken out of your hands.

• This will enable you to see at a glance the payouts you will have to make each month to the nearest dollar. This means you can calculate the minimum amount you need to have available to meet your bills.

• Some months you will be more heavily committed to repayments than in other times of the year. Be sure you are adequately covered so you will not be short of money.

The advice contained herein does not take into account any person’s particular objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a Financial Product persons should assess whether the advice is appropriate to their objectives, needs or financial situation. Persons may wish to make this assessment themselves or seek the help of an adviser. No responsibility is taken for persons acting on the information provided. Persons doing so, do so at their own risk. Before acquiring a financial product, a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.

Send a message to learn more

Gurney Financial Services

17/10/2026

16/10/2026

15/10/2026

14/10/2026

13/10/2026

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11/10/2026

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