GAP Financial is an Adelaide based Financial Advisory, specialising in but not restricted to Retirement Planning.OUR VISIONOur vision is for all of our clients to feel that using GAP Financial was one of the best financial decisions they have ever made OUR CORE VALUESOur advice ensures we have our client's back as far as their financial security is concerned.We always put our clients interests first.To show the utmost respect to our clients and to act with honesty and transparency in everything we do.To spend time and effort in educating our clients so they can make informed decisions about their financial future.GAP Financial Pty Ltd (ACN 131 975 981) ATF The GAP Financial Unit Trust (ABN 65 822 672 718) trading as GAP Financial and Geoffrey Anthony Pacecca, 39 Beulah Road, Norwood, SA 5067 are Authorised Representatives of GWM Adviser Services ABN 96 002 071 749, 105-153 Miller Street, North Sydney, NSW 2060.Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information. Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product. Past performance is not a reliable guide to future returns. The information in this document reflects our understanding of existing legislation, proposed legislation, rulings etc as at the date of issue. In some cases the information has been provided to us by third parties. While it is believed the information is accurate and reliable, this is not guaranteed in any way. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this document.