Financial Services Guide

APOS Financial Planning Pty Ltd (AR 1261733, ACN 623 333 960) and its advisors are registered representatives of PGW Financial Services Pty Ltd AFSL 384713. To obtain a copy of our financial services guide(s) and advisor profile(s) please click here for Jonathan.


APOS Financial Planning Pty Ltd operates this website (“Web Site”). The following terms govern the use of this Web Site and information displayed on it. The information is directed to and applicable for Australian residents only.
Information available on this Web Site is created by APOS Financial Planning Pty Ltd, its advisors and staff. It may also be created by third-party providers not related to any of the companies mentioned.

General Advice

This website has been prepared for the general information of investors and not having regard to any particular person’s financial situation, objectives or needs. Accordingly, in so far as any information may constitute advice (whether express or implied), it is general advice only, and no viewer should rely upon it without having obtained personal advice from a licenced advisor. When we provide personal advice or a recommendation, we will provide an appropriate personal Statement of Advice.
Neither APOS Financial Planning Pty Ltd nor its staff or advisors makes any representation, gives any warranty and does not accept any responsibility for the accuracy or completeness of any recommendation, information or advice contained herein. APOS Financial Planning Pty Ltd nor its staff or advisors, will not be liable for any loss or damage (including indirect or consequential loss) as a result of any other person acting or refraining from acting in reliance on any recommendation, information or advice herein.
Any yields, rental income, tax rates, interest rates, depreciation rates, growth or inflation rates, DPS and EPS etc shown are estimates only and should not be used as a guide to future performance. Past performance is not necessarily a guide to future performance and should not be relied upon for this purpose.

Limitation of Liability

No responsibility is taken for persons acting on information contained herein. Persons so doing do so at their own risk. We declare APOS Financial Planning Pty Ltd and/or subsidiaries, associates, advisers, or employees may be related to or associated with companies or have an interest in securities or other investments herein mentioned. APOS Financial Planning Pty Ltd may earn Brokerage, commission, fees or other benefits and/or its advisors and/or persons associated with it.
We believe that the advice and information contained herein is accurate and reliable, but no warranty of accuracy or reliability is given and no responsibility is accepted by APOS Financial Planning Pty Ltd, its advisers or employees. Any estimates of income and capital growth are based on the past performances of the respective investment and/or information provided by the companies, researcher or research firms and/or investment managers, their estimates of the and their expected income and compound capital growth over the terms of the investments. Neither APOS Financial Planning Pty Ltd, their advisers or employees nor the investment or research managers guarantee any such estimates.
As future corporate, legislative and economic factors cannot be predicted, any information provided should be a guide only, and no guarantee is expressed or implied in relation to any income, growth, asset income or asset growth, projections, legislative or economic views or outlooks.

Disclosure of Commission, Fees etc.

We direct you to our Financial Services Guide for our disclosure details. We also declare that nothing contained on this Web Site is personal advice or a recommendation. When we provide personal advice or a recommendation, we will provide an appropriate personal Statement of Advice to the person disclosing all fees, charges and commissions or any other benefit we may reasonably expect to receive.


The copyright on all information displayed on this Web Site belongs to APOS Financial Planning Pty Ltd. Excepted as expressly permitted, no data may be copied, reproduced, downloaded transmitted or redistributed without the explicit written consent from the Directors of APOS Financial Planning Pty Ltd.

Privacy and Spam Policy

APOS Financial Planning Pty Ltd is committed to providing you with the highest levels of client service. We recognise that your privacy is very important to you. The Privacy Amendment (Private Sector) Act, 2000 sets out a number of National Privacy Principles (NPPs). Our aim is to both support and ensures that we comply with these principles. Further information on privacy in Australia may be obtained by visiting the website of the Office of the Federal Privacy Commissioner at
Our Privacy Policy discloses how the personal information you provide to us and our representatives, is collected, used, held, disclosed and disseminated. We are required to meet particular legislative and regulatory requirements, and we are committed to doing so.

View our Privacy and Spam Policy.
Should you seek any further information, please contact us in one of the following ways.
Contact Details
Privacy Officer: Kym Peters
Address: 6A River Street, Marden SA 5070
Telephone : 0421 908 266
E-mail: [email protected]

Comments on our Website:

You are welcome to participate on our website by submitting comments where applicable at the sole discretion of APOS Financial Planning Pty Ltd and PGW Financial Services. Please note that to post a comment you are required to submit your email address.
You will need to provide a name when submitting a comment, but this does not have to be your name — aliases are acceptable as long as APOS Financial Planning Pty Ltd or PGW Financial Services do not consider them to be to be offensive, defame or otherwise be unacceptable. They need to be unique and should not impersonate another person.
You are responsible for the content of your messages and you are liable for activities conducted by you, or by others authorised by you, or otherwise acting on your behalf. We have the right to moderate all comments and we reserve the right to remove any comments submitted without explanation or reason.
When submitting messages you agree to indemnify and to continue to indemnify APOS Financial Planning Pty Ltd and PGW Financial Services to the full extent possible under the law against all claims, costs and expenses (including but not limited to reasonable legal and administrative expenses) arising out of any such messages.
We have no control over the users who submit messages. We cannot guarantee the accuracy, integrity or quality of any messages. There may be users who breach the Terms and Conditions and post messages that are misleading, untrue or offensive.
To the extent allowable under the law, you bear all risk associated with your use of our websites and you should not rely on messages in making (or not making) any specific investment or other decision. In the event that you have any right, claim or action against any users arising out of that user’s messages, then you will pursue such right, claim or action independently of, and without recourse to us.

Complaints Resolution:

If you wish to complain about any breach or potential breach of our privacy policy or the National Privacy Principles, you should contact us by any of the methods detailed above and request that your complaint be direct to the Privacy Officer. Your complaint will be considered within 7 days and responded to. We intend to use our best endeavours to resolve any complaint to your satisfaction; however, if you are unhappy with our response, you are entitled to contact the Office of the Privacy Commissioner who may investigate your complaint further.

Third Party Web Sites:

We maintain links to other websites whose operators may or may not adhere to a privacy policy or be governed by the National Privacy Principles.
While it is not necessary to register your personal details to use our website, we do offer a registration service, which will enable you to receive product and service updates, newsletter and other information. In the event you do register with us, we will collect personal information from you including your name and e-mail address.
If you have registered with us and decide, at any time, that you do not wish to receive any further information from us, you can send an e-mail requesting to be removed from our online registration database. Please allow 2 weeks for your request to be actioned.
You may amend or update your registration details by sending an e-mail providing your revised details. Please allow two weeks for your request to be actioned.


Our website uses cookies, which allows us to identify your browser while you are using our site. Cookies do not identify you; they merely allow us to track usage patterns so that we can measure the level of interest in various areas of our site. All browsers allow you to be notified when you receive a cookie and elect to either accept it or not. Your internet service provider should be able to assist you to set your preferences.