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Financial product advice is provided by representatives of Standard Pacific Consulting Limited ABN 84 003 315 802 AFSL 237635 trading as Apia Financial Advice (“Apia Financial Advice”).Australian Pensioners Insurance Agency Pty Limited (' Apia') does not provide any financial advice or services in respect of Apia Financial Advice.  Apia does not issue or guarantee any product nor is responsible for any advice provided by Apia Financial Advice. This advice has been prepared without taking into account your personal objectives, financial situation or needs. You should consider your own personal circumstances in considering whether this advice is appropriate for you. Where reference is made a financial product, you should consider the Product Disclosure Statement, available from your financial adviser or the product issuer.