Jeremy Gard and WealthCircles Financial Pty Ltd is a corporate authorised representative of AVALONfs Pty Ltd (AFSL# 437518) and is authorised only to provide general investment product advice.
Therefore any decisions to invest in a product is your decision and responsibility. You must, and are obliged, to read the disclaimer at the bottom of this page.

General Advice Disclaimer

The investment advice provided on this website is general advice only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. If any products are detailed on this website, you should obtain a Product Disclosure Statement relating to the products and consider its contents before making any decisions. Where quoted, past performance is not indicative of future performance.

WealthCircles Financial Pty Ltd, as authorised representative of AvalonFS Pty Ltd (AFSL# 437518) disclaim all and any guarantees, undertakings and warranties, expressed or implied, and shall not be liable for any loss or damage whatsoever (including human or computer error, negligent or otherwise, or incidental or consequential loss or damage) arising out of or in connection with any use or reliance on the information or advice on this site. The user must accept sole responsibility associated with the use of the material on this site, irrespective of the purpose for which such use or results are applied. The information on this website is no substitute for personal financial advice.

This “General Advice Disclaimer” is issued by WealthCircles Financial Pty Ltd (ABN 58 601 782 236) (“WealthCircles), corporate authorised representative of AvalonFS Pty Ltd, holder of Australian Financial Services License No 437518. Information contained within this website might contain general advice, which is provided without regard to any investor’s individual objectives, financial situation or needs. It is not specific advice for any particular investor and is not intended to be passed on or relied upon by any person. Before making any decision about the general advice provided, you should consider the appropriateness of the general advice presented, having regard to your objectives, financial situation and needs. Any indicative information and assumptions used may change without notice to you, particularly if based on past performance. Further, you should read the Product Disclosure Statements relative to each investment discussed with this advice before a decision is made.

When you decide to purchase any form of investment product, superannuation (including a Self Managed Super Fund) or insurance policy from WealthCircles Financial Pty Ltd, you are confirming the following:

- that only “General Advice” was sought by you from WealthCircles Financial and its representatives in relation to arranging the implementation of the financial advice on your behalf.

- the advice provided to you was “General Advice” only and you confirm no recommendation or personal advice was provided by WealthCircles Financial or its representatives to you. At no time has the WealthCircles Financial representative stated, recommended or inferred that the financial product may be appropriate for you, or that they have considered my personal objectives, financial situation and needs.

- no personal financial advice was sought by you from WealthCircles Financial or its representatives in relation to arranging the implementation of this financial advice on your behalf.

- you have NOT provided WealthCircles Financial with any information about your personal circumstances, and understand the recommended financial products may not be suitable for you.

- you understand the proposed financial product may not be suitable for you and you understand, before acting on the information provided that you will consider the appropriateness of the financial advice to your personal circumstances including by reference to your financial circumstances, needs and objectives.

- you understand that by not seeking personal financial planning advice from other professional 3rd parties regarding this financial product, you risk making a decision which may not be suitable for your financial needs.

- you confirm that all examples and illustrations used (if applicable) were for education purposes only and that these examples and illustrations were not used in any way to influence your decision.

- you understand and accept that WealthCircles Financial Pty Ltd accepts no responsibility for the quality and/or likely future performance of the any proposed financial products or investments.

- you have read and understood the fee structures in place with WealthCircles Financial Pty Ltd, as a representative of AvalonFS Pty Ltd, as outlined in the Financial Services Guide.

- you agree that WealthCircles Financial may collect, use and store your personal information for the purpose of processing your financial product application, managing any future investments, and complying with the relevant laws in accordance with WealthCircles Financial Privacy Policy, a copy of which can be provided on our request, and which is available on this website. Such information may include but is not limited to Tax File Numbers (“TFNs”), Bank Account details, Drivers’ License and Passport information. You also understand that you can access the personal information WealthCircles Financial holds about you.