In preparing any advice in this site Financial Horizons (Cairns) Pty Ltd, ABN 67 010 884 830 trading as Financial Horizons has not taken into account any particular persons objectives, financial situation or needs. Investors should, before acting on this information, consider the appropriateness of this information having regard to their personal objectives, financial situation or needs. We recommend investors obtain financial advice specific to their situation before making any financial investment or insurance decision.

Financial Horizons (Cairns) Pty Ltd, ABN 67 010 884 830 trading as Financial Horizons, Suite 2, Cairns Professional Centre, 92 Pease Street, Manoora QLD 4870, is an Authorised Representative of Aon Wealth Management Limited AFSL 239187 ABN 14 003 344 232.

FSG and Adviser Profiles

To view Aon Wealth Management's Financial Services Guide, click here.

To view David Millard's Adviser Profile, click here.
To view Sara Millard's Adviser Profile, click here.
To view Bryce Carrier's Adviser Profile, click here.
To view Rodney Ellwood's Adviser Profile, click here.

Legal Notice

These are the terms and conditions for use of this site and access to the information contained on this site.

Neither Aon Wealth Management Limited AFSL 239187 ABN 14 003 344 232, an Australian Financial Services License holder, nor its Authorised Representatives David Millard, Sara Millard, and Financial Horizons (Cairns) Pty Ltd, ABN 67 010 884 830 trading as Financial Horizons warrant or represent that the information in this site is free from errors or
omissions or is suitable for your intended use.

1. Aon Wealth Management Limited and its Authorised Representatives:

(a) Do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained in this site and as to changes in circumstances after the date of publication that
may impact on the accuracy of the information;
(b) May change and update the information from time to time;
(c) Make no representation in relation to, and are not responsible in any way, for any other site you access through this site; and
(d) Own the copyright in the material available on this site.

2. Users of this site must not:

(a) Do anything to alter or modify the information in this site;
(b) Use the material in this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
(c) Distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
(d) Post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or
inappropriate.

3. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect in this site.

4. The information contained in this site is general information only made available to residents of Australia and its territories and New Zealand and is not intended to be a recommendation, offer or invitation to take up
securities or other investments. You should seek advice from an appropriately qualified professional on whether the information is
appropriate for your particular needs, financial situation and investment objectives.

5. Aon Wealth Management are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material
contained in this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by Aon Wealth
Management Limited

6. All references in this site to "$" or "dollars" are references to Australian currency unless otherwise stated.

7. Users of this site agree to indemnify Aon Wealth Management Limited from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed in the site by the user or from the alteration, modification of or addition to material on the site by the user.

8. No information, feedback, questions or comments placed on this site by any person other than Aon Wealth Management Limited will be confidential or authorised or otherwise endorsed. Aon Wealth Management can reproduce, use, disclose and distribute the information to others in their absolute
discretion.

9. Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between Aon Wealth
Management Limited and other organisation (unless otherwise expressly stated). Aon Wealth Management Limited does not control and is not
responsible for the content of any other site accessed via this site.

10. You consent to Aon Wealth Management monitoring your use of this site.

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