Super Insider

Ever feel like you’re being pulled in every direction - supporting ageing parents, helping your kids get ahead, managing work and life, all while trying to plan your own future?     You might be part of the sandwich generation.     In this episode of Super Insider, our Education experts Josh van Gestel and Ruth Weaver unpack the real pressures facing many Gen X Australians today. This honest conversation explores why this stage of life can feel overwhelming and why it might actually be the most important time to focus on your own financial future.     If you're juggling family responsibilities and wondering whether you're doing enough with your super, this episode offers practical insights to help you take back control.     Supporting others is part of life for many Australians but as Ruth puts it in this episode, “it is time to put yourself first.” The decisions you make today could make a meaningful difference to your future retirement.    Tune in to learn:  00:54 - What it means to be part of the sandwich generation  07:13 - Why your 40s and 50s are critical for super planning  11:03 - What simple actions can improve your retirement outlook  12:32 - How retirement forecasting helps you understand your super  13:14 - How extra super contributions can compound over time  16:09 - Why reviewing your super investment strategy matters  19:11 - How inheritance and estate planning fit into retirement planning   💡 Want to feel more confident about your super journey?  To explore more tools, insights and resources to help you get the most from your super, visit our website:   https://www.australianretirementtrust.com.au or check out our Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Joshua van Gestel – Senior Manager, Education Delivery, ART  Ruth Weaver - Team Leader – Key Client Education, ART    The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.     This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.    Any information given by the guest speakers is provided as general information only and not financial advice. 

Markets are moving again - and it’s normal to feel unsure about what that means for your superannuation.     In this bonus episode of Super Insider, ART Chief Economist Brian Parker explains what’s behind recent market volatility, how global events can affect investments, and what it means for your long-term super savings.    Tune in to learn: Potentially no time stamps required for this episode as it’s repurposed webinar content   10:02 - What we’ve learned from past market crises 10:47 - Why your super is safe for the long term   12:21 - Should I be thinking about investing in gold or other commodities?  13:41 - What is ART doing to manage the current risks associated with geopolitics?  14:48 - Should I consider delaying retirement?  17:56 - What's happening with fuel prices and what direct impact will that have on investment returns for members?  21:05 - Tips on what you can do if you’re worried, including when it makes sense to get advice  💡 Want to feel more confident about your retirement savings?  Visit our website to explore more tools, insights and resources to help you understand your investment options and how your super is invested: australianretirementtrust.com.au    To learn more about market volatility, visit the below links:  Market volatility - https://www.australianretirementtrust.com.au/learn/investment-advice/what-is-market-volatility   Discover what type of investor you are here - https://www.australianretirementtrust.com.au/learn/tools/risk-profile-quiz     If you’re still worried, talk to your financial adviser or talk to us. We’re here to help you feel confident about your future. Find adviser support here: https://www.australianretirementtrust.com.au/contact-us/support-home/support-adviser    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Brian Parker – Chief Economist – Investments, ART   Joshua van Gestel – Senior Manager, Education Delivery, ART  The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.     This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.    Any information given by the guest speakers is provided as general information only and not financial advice. 

Confidence is powerful - especially when it comes to choosing the right super investments for you! In this episode of Super Insider, Anne Fuchs sits down with Liz Kumaru, General Manager of Growth Assets, and Jody Fitzgerald, General Manager of Defensive & Liquid Assets and Portfolio Intelligence at ART, for a candid and practical discussion about women, investing and long-term wealth.  From the confidence gap to the 25% gender super gap*, this conversation explores why capability isn’t the issue - confidence often is and what women can do today to take control of their financial future.  * Source: SMC Australia, ‘SMC: Economic security in retirement: How life events affect older Australian women 2025’, 2025, accessed 1 February 2026 at SMC: Economic security in retirement: How life events affect older Australian women 2025    Tune in to learn: 10:09 - Why women hold back from investing
  11:06 - Why backing yourself changes everything
  12:33 - How to support the next generation
  14:54 - How small money decisions compound over time
  16:33 - How to grow your super strategically
  17:33 - When to take control of your finances
  20:08 - Why representation in finance matters     If this conversation resonates, share it with a woman in your life - a daughter, colleague, sister or friend - and help spark the next generation of confident investors.    💡 Want to feel more confident about where your super is invested   Explore your investment options, returns, and the assets helping grow your retirement savings on our website: australianretirementtrust.com.au  What type of investor are you? Test your inner investor and see what type of investment options may suit you best. https://www.australianretirementtrust.com.au/learn/tools/risk-profile-quiz    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Executive General Manager of Advocacy and Impact, ART  Elizabeth Kumaru – General Manager of Growth Assets, ART  Jody Fitzgerald – General Manager of Defensive and Liquid Assets and Portfolio Intelligence, ART  The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.     This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.    Any information given by the guest speakers is provided as general information only and not financial advice. 

Super Insider is on location in Melbourne to show you exactly what your super is invested in!     In this episode of Super Insider, we step inside one of our newest and most innovative investment properties and unpack why we’ve got more than $9 billion of our member’s retirement savings invested in Australian real estate.    Our host Anne Fuchs is joined by Michael Weaver, General Manager of Mid-Risk Assets at Australian Retirement Trust, and Campbell Hanan, CEO of Mirvac, to explain how this property investment is different, why build-to-rent has finally made its way to Australia, and how it’s making our members money while adding to rental supply.    Tune in to learn:  00:18 - Why we’re inside a Melbourne apartment   02:57 - How property fits ART’s portfolio  05:34 - What build-to-rent really means  08:42 - Why ART partnered with Mirvac  11:26 - Affordable housing for essential workers  12:58 - Who lives in these communities  16:27 - Will ART invest in more?    Whether you’re just starting your super journey or planning for the long-term, this episode helps you understand how your super investments grow in real properties and how that benefits your future.     💡 Want to see how this investment works for you?  Explore your investment options, returns, and the assets helping grow your retirement savings on our website: australianretirementtrust.com.au    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Executive General Manager of Advocacy and Impact, ART  Michael Weaver – General Manager of Mid Risk Assets & UK, ART  Campbell Hanan – CEO and Managing Director, Mirvac Group    The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.     This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.  Any information given by the guest speakers is provided as general information only and not financial advice. 

Ruth Weaver, Team Leader in Key Client Education at Australian Retirement Trust, explains retirement planning basics and super strategies in clear, practical terms. Short segments cover estimating income needs, using forecasters, boosting balances with contributions and investments, timing access to super, choosing income versus lump sums, and focusing on wellbeing in retirement.

Think growing your super is complicated? Think again.    In this episode of Super Insider, Ruth and Megan from the Australian Retirement Trust Education team share five simple, practical steps to help you grow your super and make the most of your money for the future.  Whether you’re just starting out, mid-career, or edging closer to retirement, this episode is packed with practical tips, relatable stories, and easy actions that can make a real impact over time.    Tune in to learn:  01:10 – Why staying engaged with your super really matters  04:25 – How combining super accounts could save you fees  07:40 – When and how extra contributions can make a difference  10:55 – Understanding how your super is invested  13:30 – Why investment choice should match your life stage  16:50 – How insurance inside super works  18:55 – Balancing insurance costs and retirement outcomes  19:30 – Get guidance: tools, advice and support at ART    Explore more tools, calculators and resources to grow your super on our website: https://www.australianretirementtrust.com.au/     🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Ruth Weaver - Team Leader – Key Client Education, ART  Megan Ashenden – Education Specialist – Advice, Guidance and Education Delivery, ART     The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.     This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.    Any information given by the guest speakers is provided as general information only and not financial advice. 

Is this the year you rewire your brain for success? 🧠  Super Insider is back! We’re kicking things off with neuroscientist Dr Hayley North, to unpack why our brain fights our long‑term goals and how to take back control.      Dr Hayley North explains that it all starts with self-belief and our brain does have the capacity to change - no matter how old you are.     Listen to find out the science-backed strategies to make 2026 your best year yet and set yourself up for a dream retirement.     Tune in to learn:  01:55 – Self-belief and why it’s so important  05:00 – How to set realistic goals   08:34 - How to train your brain to see your future self   12:53 – Dopamine and how we can use it to our advantage   19:45 – How to reach your superannuation goals in 2026  21:45 – Rewards and how they can keep you motivated  23:58 – How Anne plans to stick to her new year’s resolution    Explore helpful tools and resources on our website: https://www.australianretirementtrust.com.au/     Learn more about Dr Hayley North on her website: Understand Your Brain | Workplace Mental Health | Australia    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Host & Executive General Manager of Advocacy and Impact, ART  Dr Hayley North – Neuroscientist and Founder, Understand Your Brain    The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.     This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.    Any information given by the guest speakers is provided as general information only and not financial advice. 

In this powerful episode of Super Insider, our host Anne Fuchs sits down with Leah Bennett, Managing Director of First Nations Foundation, for a heartfelt and eye-opening conversation about money, culture, community, and retirement for Aboriginal and Torres Strait Islander peoples.  Together, they explore how financial literacy, systemic inequities, and cultural obligations shape financial wellbeing, and what we can all do to help ensure First Nations people experience stronger financial futures.    Tune in to learn:  00:01 - Why financial literacy is key to economic participation  00:03 - What “teaching the teacher” means in community-led education  00:06 - How superannuation is reshaping family wealth for the first time  00:09 - The emotional side of money and community decision-making  00:12 - Leah’s personal journey with super and breaking generational cycles  00:15 - Why financial literacy is a national issue, not just a First Nations issue  00:18 - The importance of culturally-led partnerships  00:21 - How ART and FNF are working together to empower the next generation    Ready to dive deeper into this important conversation?  👉 Explore more about Australian Retirement Trust at art.com.au   👉 Learn about First Nations Foundation and their programs at firstnationsfoundation.org.au    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Host & Executive General Manager of Advocacy and Impact, ART  Leah Bennett – Managing Director, First Nations Foundation    Sources:ABC - https://www.abc.net.au/news/2025-07-23/report-superannuation-access-issues-first-nations-australians/105557598ABS - https://www.abs.gov.au/statistics/people/aboriginal-and-torres-strait-islander-peoples/aboriginal-and-torres-strait-islander-life-expectancy/latest-releaseASFA - https://www.superannuation.asn.au/Australian Retirement Trust – Internal Financial Wellbeing Report on Aboriginal and Torres Strait Islander members The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.     This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.    Any information given by the guest speakers is provided as general information only and not financial advice. 

In this engaging chat, Glen James, a financial educator and author known for the Money Money Money podcast, shares valuable insights on achieving financial freedom. He discusses breaking free from comparison culture and emphasizes the importance of mindset in making sound financial decisions. Glen reveals his four budget levers for success and advocates for slow, steady investing through superannuation. He also highlights the power of simple money habits and the transformative effect of compound returns, helping listeners feel more confident in their financial futures.

What does an epic retirement really look like? And how do you build one that feels confident, flexible and truly yours?  In this Epic Retirement Month special, we sit down with Bec Wilson, founder of Epic Retirement, to unpack the real truth about Australia’s retirement phase, what most people get wrong, and how small choices today can set you up for the “you of tomorrow.”     Bec also reveals how the Epic Tick was created, what it means for Australians, and why the retirement phase should be held to a much higher standard.     Whether you're five years from retiring or simply starting to imagine what life after full-time work could look like, this episode will help you dream bigger and plan smarter.    Tune in to learn:  00:57 - Why Australia’s retirement phase is still “patchy”   12:22 - The difference between accumulation vs retirement phase super   13:55 - What the Epic Retirement Tick measures and why it matters for members  16:21 - How ART performed across the 18 Epic Tick criteria  24:00 - Shaping retirement goals beyond “what’s in my balance?”  25:18 - Smart strategies like transition to retirement, income streams and tax-free approaches   26:41 - The simple mindset flip that helps people build the dream retirement  29:15 - Next steps: advice, support and practical tools you can use today    Ready to shape your own epic retirement?  👉 Explore tools and resources at https://www.epicretirement.net/. And discover more Epic Retirement Month resources at https://www.australianretirementtrust.com.au/.    🎧 Subscribe now and share the episode to start your journey towards a confident retirement.    Product issued by Australian Retirement Trust Pty Ltd. Consider the PDS and TMD before deciding at art.com.au/pds.    SUBSCRIBE FOR MORE VIDEOS  Apple Podcasts - https://podcasts.apple.com/au/podcast/super-insider/id1419853388    Spotify - https://open.spotify.com/show/1aXYHWZUkfaboTw5hJUnxO    🌟 LIKED THE EPISODE? HELP US SPREAD THE WORD     👍 Click the thumbs up and give your feedback by leaving a comment.      🔔 Subscribe and hit the notification bell to get the latest episodes.     💝 Share this episode with a friend who needs to hear it.    CREDITS       Anne Fuchs – Host & Executive General Manager of Advocacy and Impact, ART  Bec Wilson – Founder and Principal, The Epic Retirement Institute     The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing.     This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser.           We issue this information and all Australian Retirement Trust products. When we say ‘we’, ‘us’, or ‘the Trustee’, we mean Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975), trustee of Australian Retirement Trust (ABN 60 905 115 063).     Any advice given is by representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818, AFSL 227867), wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.    Any information given by the guest speakers is provided as general information only and not financial advice.