Based in Torquay Victoria, with clients Australia wide, Two Mile Bay offers tailored solutions to your superannuation and life insurance needs. We aim to provide comprehensive advice without the high financial planning fees. Insurance offered includes: Income Protection, Trauma Insurance, Total and Permanent Disability and Life Insurance. Two MIle Bay is a corporate authorised representative of Millennium3 Financial Services and is a privately owned financial advisory practice. We have clients located Australia wide whose superannuation and insurance we manage. DISCLAIMER: The information contained herein is of a general nature only and may not be relevant to your individual circumstances. While reasonable care has been exercised, neither Two Mile Bay Pty Ltd nor its employees, Authorised Representatives or agents shall be liable for any loss or damage suffered. It is recommended that you not make any changes without first obtaining professional advice from your Two Mile Bay Adviser . Your should obtain a Product Disclosure Statement (PDS) before you make any decision to acquire a product. Two Mile Bay Pty Ltd is a Authorised Representative of Millennium3 Financial Services Pty Ltd. Australian Financial Services Licensee—Licence Number 244252. For Financial Services Products only.' The views and opinions expressed within this newsletter are those of the author and do not necessarily reflect those of Millennium3 Financial Services Pty Ltd. For Australian Residents Only.