ÿþ<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=Content-Type content="text/html; charset=unicode"> <meta name=ProgId content=Word.Document> <meta name=Generator content="Microsoft Word 12"> <meta name=Originator content="Microsoft Word 12"> <link rel=File-List href="financial_files/filelist.xml"> <link rel=Edit-Time-Data href="financial_files/editdata.mso"> <!--[if !mso]> <style> v\:* {behavior:url(#default#VML);} o\:* {behavior:url(#default#VML);} w\:* {behavior:url(#default#VML);} .shape {behavior:url(#default#VML);} </style> <![endif]--> <title>Lifetime Advisers - Financial Planning, Planning Process.</title> <!--[if gte mso 9]><xml> <o:DocumentProperties> <o:Author>Family</o:Author> <o:LastAuthor>Family</o:LastAuthor> <o:Revision>4</o:Revision> <o:TotalTime>5</o:TotalTime> <o:Created>2012-01-29T01:24:00Z</o:Created> <o:LastSaved>2012-01-29T05:30:00Z</o:LastSaved> <o:Pages>1</o:Pages> <o:Words>883</o:Words> <o:Characters>5036</o:Characters> <o:Lines>41</o:Lines> <o:Paragraphs>11</o:Paragraphs> <o:CharactersWithSpaces>5908</o:CharactersWithSpaces> <o:Version>12.00</o:Version> </o:DocumentProperties> </xml><![endif]--> <link rel=themeData href="financial_files/themedata.thmx"> <link rel=colorSchemeMapping href="financial_files/colorschememapping.xml"> <!--[if gte mso 9]><xml> <w:WordDocument> <w:SpellingState>Clean</w:SpellingState> <w:GrammarState>Clean</w:GrammarState> <w:TrackMoves>false</w:TrackMoves> <w:TrackFormatting/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-AU</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="&#45;-"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true" DefSemiHidden="true" DefQFormat="false" DefPriority="99" LatentStyleCount="267"> <w:LsdException Locked="false" Priority="0" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Normal"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 1"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 2"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 3"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 4"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 5"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 6"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 7"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 8"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 9"/> <w:LsdException Locked="false" Priority="39" Name="toc 1"/> <w:LsdException Locked="false" Priority="39" Name="toc 2"/> <w:LsdException Locked="false" Priority="39" Name="toc 3"/> <w:LsdException Locked="false" Priority="39" Name="toc 4"/> <w:LsdException Locked="false" Priority="39" Name="toc 5"/> <w:LsdException Locked="false" Priority="39" Name="toc 6"/> <w:LsdException Locked="false" Priority="39" Name="toc 7"/> <w:LsdException Locked="false" Priority="39" Name="toc 8"/> <w:LsdException Locked="false" Priority="39" Name="toc 9"/> <w:LsdException Locked="false" Priority="35" QFormat="true" Name="caption"/> <w:LsdException Locked="false" Priority="10" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Title"/> <w:LsdException Locked="false" Priority="1" Name="Default Paragraph Font"/> <w:LsdException Locked="false" Priority="11" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtitle"/> <w:LsdException Locked="false" Priority="22" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Strong"/> <w:LsdException Locked="false" Priority="20" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Emphasis"/> <w:LsdException Locked="false" Priority="59" SemiHidden="false" UnhideWhenUsed="false" Name="Table Grid"/> <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Placeholder Text"/> <w:LsdException Locked="false" Priority="1" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="No Spacing"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 1"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 1"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 1"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 1"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 1"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 1"/> <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Revision"/> <w:LsdException Locked="false" Priority="34" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="List Paragraph"/> <w:LsdException Locked="false" Priority="29" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Quote"/> <w:LsdException Locked="false" Priority="30" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Quote"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 1"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 1"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 1"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 1"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 1"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 1"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 2"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 2"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 2"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 2"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 2"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 2"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 2"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 2"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 2"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 2"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 2"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 2"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 2"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 3"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 3"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 3"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 3"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 3"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 3"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 3"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 3"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 4"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 4"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 4"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 4"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 4"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 4"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 4"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 4"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 5"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 5"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 5"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 5"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 5"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 5"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 5"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 6"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 6"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 6"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 6"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 6"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/> <w:LsdException Locked="false" Priority="19" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/> <w:LsdException Locked="false" Priority="21" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/> <w:LsdException Locked="false" Priority="31" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/> <w:LsdException Locked="false" Priority="32" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/> <w:LsdException Locked="false" Priority="33" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Book Title"/> <w:LsdException Locked="false" Priority="37" Name="Bibliography"/> <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/> </w:LatentStyles> </xml><![endif]--> <link rel=Stylesheet type="text/css" media=all href=lifetime.css> <style> <!-- /* Font Definitions */ @font-face {font-family:Wingdings; panose-1:5 0 0 0 0 0 0 0 0 0; mso-font-charset:2; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:0 268435456 0 0 -2147483648 0;} @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:1; mso-generic-font-family:roman; mso-font-format:other; mso-font-pitch:variable; mso-font-signature:0 0 0 0 0 0;} @font-face {font-family:Tahoma; panose-1:2 11 6 4 3 5 4 4 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-520081665 -1073717157 41 0 66047 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} h1 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 1 Char"; mso-margin-top-alt:auto; margin-right:0cm; margin-bottom:0cm; margin-left:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; mso-outline-level:1; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} h2 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 2 Char"; mso-margin-top-alt:auto; margin-right:0cm; margin-bottom:0cm; margin-left:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; mso-outline-level:2; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} a:link, span.MsoHyperlink {mso-style-noshow:yes; mso-style-priority:99; color:red; text-decoration:underline; text-underline:single;} a:visited, span.MsoHyperlinkFollowed {mso-style-noshow:yes; mso-style-priority:99; color:#666666; text-decoration:underline; text-underline:single;} p {mso-style-noshow:yes; mso-style-priority:99; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.MsoAcetate, li.MsoAcetate, div.MsoAcetate {mso-style-noshow:yes; mso-style-priority:99; mso-style-link:"Balloon Text Char"; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:8.0pt; font-family:"Tahoma","sans-serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} span.Heading1Char {mso-style-name:"Heading 1 Char"; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 1"; mso-ansi-font-size:14.0pt; mso-bidi-font-size:14.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#365F91; mso-themecolor:accent1; mso-themeshade:191; font-weight:bold;} span.Heading2Char {mso-style-name:"Heading 2 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 2"; mso-ansi-font-size:13.0pt; mso-bidi-font-size:13.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#4F81BD; mso-themecolor:accent1; font-weight:bold;} span.BalloonTextChar {mso-style-name:"Balloon Text Char"; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Balloon Text"; mso-ansi-font-size:8.0pt; mso-bidi-font-size:8.0pt; font-family:"Tahoma","sans-serif"; mso-ascii-font-family:Tahoma; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Tahoma; mso-bidi-font-family:Tahoma;} p.introcopy, li.introcopy, div.introcopy {mso-style-name:introcopy; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; line-height:13.5pt; mso-pagination:widow-orphan; font-size:10.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.subhead, li.subhead, div.subhead {mso-style-name:subhead; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} p.bold, li.bold, div.bold {mso-style-name:bold; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} p.navigation, li.navigation, div.navigation {mso-style-name:navigation; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; line-height:9.75pt; mso-pagination:widow-orphan; background:#A7A9AC; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.smallcopy, li.smallcopy, div.smallcopy {mso-style-name:smallcopy; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; line-height:9.0pt; mso-pagination:widow-orphan; font-size:7.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.bullet, li.bullet, div.bullet {mso-style-name:bullet; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.latestnewscopy, li.latestnewscopy, div.latestnewscopy {mso-style-name:latestnewscopy; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:11.25pt; mso-margin-bottom-alt:auto; margin-left:11.25pt; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.latestnewsheader, li.latestnewsheader, div.latestnewsheader {mso-style-name:latestnewsheader; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:11.25pt; mso-margin-bottom-alt:auto; margin-left:11.25pt; mso-pagination:widow-orphan; font-size:10.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} p.bluecolumncopy, li.bluecolumncopy, div.bluecolumncopy {mso-style-name:bluecolumncopy; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:11.25pt; mso-margin-bottom-alt:auto; margin-left:11.25pt; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.bluecolumnheader, li.bluecolumnheader, div.bluecolumnheader {mso-style-name:bluecolumnheader; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:11.25pt; mso-margin-bottom-alt:auto; margin-left:11.25pt; mso-pagination:widow-orphan; font-size:10.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} p.footer, li.footer, div.footer {mso-style-name:footer; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:11.25pt; text-align:center; mso-pagination:widow-orphan; font-size:7.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.tablecopy, li.tablecopy, div.tablecopy {mso-style-name:tablecopy; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.tablebold, li.tablebold, div.tablebold {mso-style-name:tablebold; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} span.SpellE {mso-style-name:""; mso-spl-e:yes;} span.GramE {mso-style-name:""; mso-gram-e:yes;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt;} @page WordSection1 {size:595.3pt 841.9pt; margin:72.0pt 72.0pt 72.0pt 72.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.WordSection1 {page:WordSection1;} /* List Definitions */ @list l0 {mso-list-id:13461299; mso-list-template-ids:-1308607726;} @list l0:level1 {mso-level-number-format:bullet; mso-level-text:·ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l0:level2 {mso-level-tab-stop:72.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level3 {mso-level-tab-stop:108.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level4 {mso-level-tab-stop:144.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level5 {mso-level-tab-stop:180.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level6 {mso-level-tab-stop:216.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level7 {mso-level-tab-stop:252.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level8 {mso-level-tab-stop:288.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level9 {mso-level-tab-stop:324.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l1 {mso-list-id:789471229; mso-list-template-ids:-2021982790;} @list l1:level1 {mso-level-number-format:bullet; mso-level-text:·ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l1:level2 {mso-level-tab-stop:72.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l1:level3 {mso-level-tab-stop:108.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l1:level4 {mso-level-tab-stop:144.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l1:level5 {mso-level-tab-stop:180.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l1:level6 {mso-level-tab-stop:216.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l1:level7 {mso-level-tab-stop:252.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l1:level8 {mso-level-tab-stop:288.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l1:level9 {mso-level-tab-stop:324.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l2 {mso-list-id:1070882580; mso-list-template-ids:-1206999044;} @list l2:level1 {mso-level-number-format:bullet; mso-level-text:·ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l2:level2 {mso-level-tab-stop:72.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l2:level3 {mso-level-tab-stop:108.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l2:level4 {mso-level-tab-stop:144.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l2:level5 {mso-level-tab-stop:180.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l2:level6 {mso-level-tab-stop:216.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l2:level7 {mso-level-tab-stop:252.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l2:level8 {mso-level-tab-stop:288.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l2:level9 {mso-level-tab-stop:324.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l3 {mso-list-id:1356273320; mso-list-template-ids:-1052984310;} @list l3:level1 {mso-level-number-format:bullet; mso-level-text:·ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l3:level2 {mso-level-tab-stop:72.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l3:level3 {mso-level-tab-stop:108.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l3:level4 {mso-level-tab-stop:144.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l3:level5 {mso-level-tab-stop:180.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l3:level6 {mso-level-tab-stop:216.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l3:level7 {mso-level-tab-stop:252.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l3:level8 {mso-level-tab-stop:288.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l3:level9 {mso-level-tab-stop:324.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l4 {mso-list-id:1383753538; mso-list-template-ids:303747346;} @list l4:level1 {mso-level-number-format:bullet; mso-level-text:·ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l4:level2 {mso-level-tab-stop:72.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l4:level3 {mso-level-tab-stop:108.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l4:level4 {mso-level-tab-stop:144.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l4:level5 {mso-level-tab-stop:180.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l4:level6 {mso-level-tab-stop:216.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l4:level7 {mso-level-tab-stop:252.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l4:level8 {mso-level-tab-stop:288.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l4:level9 {mso-level-tab-stop:324.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l3:level1 lfo2 {mso-level-numbering:continue; mso-level-text:§ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l2:level1 lfo4 {mso-level-numbering:continue; mso-level-text:§ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l0:level1 lfo6 {mso-level-numbering:continue; mso-level-text:§ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l4:level1 lfo8 {mso-level-numbering:continue; mso-level-text:§ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l1:level1 lfo10 {mso-level-numbering:continue; mso-level-text:§ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Wingdings;} ol {margin-bottom:0cm;} ul {margin-bottom:0cm;} --> </style> <!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman","serif";} </style> <![endif]--> <link href=favicon.ico type="image/x-icon" rel="shortcut icon"> <script type="text/javascript"> <!-- function MM_preloadImages() { //v3.0 var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array(); var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++) if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}} } function MM_swapImgRestore() { //v3.0 var i,x,a=document.MM_sr; for(i=0;a&&i<a.length&&(x=a[i])&&x.oSrc;i++) x.src=x.oSrc; } function MM_findObj(n, d) { //v4.01 var p,i,x; if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length) { d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);} if(!(x=d[n])&&d.all) x=d.all[n]; for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n]; for(i=0;!x&&d.layers&&i<d.layers.length;i++) x=MM_findObj(n,d.layers[i].document); if(!x && d.getElementById) x=d.getElementById(n); return x; } function MM_swapImage() { //v3.0 var i,j=0,x,a=MM_swapImage.arguments; document.MM_sr=new Array; for(i=0;i<(a.length-2);i+=3) if ((x=MM_findObj(a[i]))!=null){document.MM_sr[j++]=x; if(!x.oSrc) x.oSrc=x.src; x.src=a[i+2];} } //--> </script> <!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="3074"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body bgcolor="#9E9E9E" lang=EN-AU link=red vlink="#666666" style='tab-interval: 36.0pt' onload="MM_preloadImages('pics/navigation/home2.gif','pics/navigation/aboutus2.gif','pics/navigation/financeplan2.gif','pics/navigation/loans2.gif','pics/navigation/taxplan2.gif','pics/navigation/insurance2.gif','pics/navigation/media2.gif','pics/navigation/referral2.gif','pics/navigation/forms2.gif','pics/navigation/library2.gif','pics/navigation/contactus2.gif','pics/navigation/importantinfo2.gif','pics/subscribe2.gif','pics/referfriend2.gif')"> <div class=WordSection1> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=1024 style='width:768.0pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:162.75pt'> <td colspan=3 style='padding:0cm 0cm 0cm 0cm;height:162.75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"; mso-no-proof:yes'><img width=1024 height=217 id="_x0000_i1040" src="pics/header.jpg" alt="Lifetime Advisers"></span><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td width=197 valign=top style='width:147.75pt;background:#CCCCCC;padding: 0cm 0cm 0cm 0cm' background="pics/navigation/spacer.gif"> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=197 style='width:147.75pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm' id="Table_01" height=548> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="index.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=44 id="_x0000_i1039" src="pics/navigation/home.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="aboutus.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1038" src="pics/navigation/aboutus.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="financial.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1037" src="pics/navigation/financeplan.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="loans.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1036" src="pics/navigation/loans.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="taxplanning.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1035" src="pics/navigation/taxplan.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="insurance.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1034" src="pics/navigation/insurance.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="media.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1033" src="pics/navigation/media.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="referral.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1032" src="pics/navigation/referral.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="forms.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1031" src="pics/navigation/forms.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="library.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1030" src="pics/navigation/library.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="contactus.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1029" src="pics/navigation/contactus.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="importantinfo.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=51 id="_x0000_i1028" src="pics/navigation/importantinfo.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"; mso-no-proof:yes'><img border=0 width=197 height=169 id="_x0000_i1027" src="pics/navigation/spacer.gif"></span><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:13;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'></td> </tr> </table> </td> <td width=642 valign=top style='width:481.5pt;background:white;padding:0cm 0cm 0cm 0cm'> <p class=introcopy>&nbsp;</p> <p><a href="#planning">What is Financial Planning?</a><br> <a href="#process">The Financial Planning Process</a></p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>FINANCIAL PLANNING<o:p></o:p></span></h1> <h1><a name=planning id=planning></a><span style='mso-fareast-font-family: "Times New Roman"'>What is Financial Planning?<o:p></o:p></span></h1> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Do you know how much you need to save before you retire? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Do you know how to invest money wisely for the long term? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Do you have the time to make investment decisions yourself or want the responsibility?<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Do you know what <span class=GramE>is your most valuable asset</span> and how to protect it?<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Do you want to just pay the bills all your life?<o:p></o:p></span></p> <p>If you answered NO to any of these questions then a Lifetime Advisers financial planner is the person you need to talk to.</p> <p>A financial planner seeks to understand your financial situation and helps develop a financial plan with recommendations to meet your short and longer-term goals. </p> <p>A financial plan known as a Statement of Advice can be simple or very involved and may take into account taxation laws, government regulations and benefits such as aged pensions, as well as resources, your lifestyle and aspirations.</p> <p>We then monitor and review that plan to ensure it is still applicable to you over time. Quite often changes in your circumstances mean Lifetime Advisers will need to amend <span class=SpellE><span class=GramE>it s</span></span> advice from time to time. This is the major benefit of becoming a client of Lifetime Advisers. We really want to look after you and your family for life.</p> <p><strong><span style='font-family:"Arial","sans-serif"'>All investment product advice is limited to that provided by <span class=SpellE>Lionsgate</span> Financial Group Pty Ltd in its Approved Product List. </span></strong><o:p></o:p></p> <h1><a name=process id=process></a><span style='mso-fareast-font-family:"Times New Roman"'>The Financial Planning Process<o:p></o:p></span></h1> <p class=subhead>Step 1: Preparation</p> <p><strong><span style='font-family:"Arial","sans-serif"'>Before you contact Lifetime Advisers you should:</span></strong></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo4;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Compile a list of goals you want to achieve both in the short and long term<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo4;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Gather together any information regarding current investments including superannuation, shares, employment etc<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo4;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Download from the FORMS section of our website the Client Data Form.<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo4;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Download Financial Services Guide (FSG) from FORMS section also<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l2 level1 lfo4;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Complete Client Data Form as much as possible <o:p></o:p></span></p> <p class=subhead>Step 2: Book Appointment</p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo6;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Contact Lifetime Advisers to arrange a convenient time to meet <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo6;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>If you have a partner or are acting for a third party we strongly recommend that they also attend<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo6;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>You will be sent a confirmation letter <o:p></o:p></span></p> <p class=subhead>Step 3: 2-3 days before appointment</p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l4 level1 lfo8;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Save Client Data Form information as Word document and email to <a href="mailto:info@lifetimeadvisers.com.au?subject=Web%20Enquiry">info@lifetimeadvisers.com.au</a> or fax completed client questionnaire to (02) 9809 1799<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l4 level1 lfo8;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>If you don t understand or don t have all the information just complete what you can and send back; we can complete details in appointment time<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l4 level1 lfo8;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>If no information is provided then appointment will need to be rescheduled<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l4 level1 lfo8;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Advantage of providing information beforehand means your planner can spend less time on obtaining background details of your situation and more time talking through your goals with you<o:p></o:p></span></p> <p class=subhead>Step 4: Attend appointment</p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l1 level1 lfo10;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Bring information regarding current superannuation, shares, employment etc<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l1 level1 lfo10;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Allow between 30 mins and 1 hour for initial appointment<o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l1 level1 lfo10;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>By the end of your appointment you should have a clear understanding of how we can help you, the services we will provide, how much it will cost you and what the next step is. <o:p></o:p></span></p> <p>To make an appointment with a Lifetime Advisers financial planner <a href="mailto:info@lifetimeadvisers.com.au?subject=Web%20Enquiry"><strong><span style='font-family:"Arial","sans-serif"'>Contact Us.</span></strong></a></p> <p><a href="#top">TOP</a></p> <p class=introcopy>&nbsp;<o:p></o:p></p> </td> <td width=185 valign=top style='width:138.75pt;background:#CCCCCC;padding: 0cm 0cm 0cm 0cm' background="pics/rightcol_blue.jpg"> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=185 style='width:138.75pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="subscribe.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=185 height=57 id="_x0000_i1026" src="pics/subscribe.gif" alt=Subscribe></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="referfriend.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=185 height=55 id="_x0000_i1025" src="pics/referfriend.gif" alt=Refer></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> <p class=bluecolumnheader>Want someone who puts your interests first and offers unbiased advice in comparing loans, insurance and tax planning?</p> <p class=bluecolumncopy>As licensed financial planners we incorporate your insurance needs into your overall financial planning and loan needs. We ll tell you about the different types of insurance on offer - and the policies that are right for you.</p> <p class=bluecolumncopy><a href="mailto:info@lifetimeadvisers.com.au?subject=Web%20Enquiry"><span style='color:white'>Contact us today</span></a></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes;height:37.5pt'> <td colspan=3 style='background:#CC0000;padding:0cm 0cm 0cm 0cm;height:37.5pt'> <p class=MsoNormal align=center style='margin-left:11.25pt;text-align:center'><span style='font-size:9.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:white'>Lifetime Advisers Pty Limited is a Corporate Authorised Representative of <span class=SpellE>Lionsgate</span> Financial Group Pty Ltd ABN 92 140 591 484. Australian Financial Services License 342766. Copyright 2012. <a href="http://www.s2.com.au/" target="_blank"><span style='color:white'>Original site by S2 Design</span></a></span><span style='font-size:7.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:white'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>