If anyone offers you advice, make sure they are PS146 compliant. Which means they are qualified to give advice in areas of finance.
For info check out asic web site http://www.asic.gov.au/asic/asic.nsf look under Financial Services, Compliance etc. Or check out their FSR guides and guidelines.
You could copy wording used by others but be aware that asic can close you down if they think it is non compliant. I believe it happened to Michael Johnson, trader, author, web publisher etc.
