KVB Kunlun Financial Services Guide

Size: px
Start display at page:

Download "KVB Kunlun Financial Services Guide"

Transcription

1 Issued By: KVB Kunlun Pty Limited Last Update: 15 January 2015 KVB Kunlun Financial Services Guide 1

2 FINANCIAL SERVICES GUIDE T F G F G important information and is designed to assist you in deciding whether to use a financial product or service offered by us. If there is any aspect of this document that you our KVB Kunlun Pty Ltd representative for an explanation or seek independent professional advice. This Financial Services Guide explains: the services we offer how we operate how we are paid how we deal with customer complaints About KVB Kunlun Pty Ltd KVB K P L KVB K the KVB Financial Group Ltd, a company listed on the Hong Kong Stock Exchange (8077) with operations in Sydney, Melbourne, Auckland and Hong Kong. We pride ourselves on our professional and disciplined approach to financial markets. Our global team of financial specialists are dedicated to providing our clients with access to visionary investment services. Our vision is represented in our name and logo. We use Knowledge and Versatility to Break the barriers of traditional investment services for The KVB Group is led by a number of highly experienced and qualified investment professionals, including the Group Managing Director and Directors for each country in which we are represented and global leaders in the Investment, Technology and Compliance disciplines. Contact Persons Clients who wish to contact or correspond with KVB Kunlun may use the following details: KVB Kunlun Pty Ltd Level 18, Citigroup Centre 2 Park Street Sydney N.S.W.2000 Australia Tel: Fax: Our Services KVB Kunlun holds an Australian Financial Services License No: from the Australian Securities and Investments C ASIC At the date of this FSG issue, KVB Kunlun Pty Ltd offers these services in relation to our licence: (A) provide financial product advice for the following classes of financial products a) deposit and payment products limited to: i. basic deposit product; ii. deposit products other than basic deposit products; b) derivatives; c) foreign exchange contracts; d) general insurance products; e) debentures, stocks or bonds issues or proposed to be issued by a government; f) life products including: i. investment life insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds; and ii. life risk insurance products as well as any products issued by a Registered Life Insurance 2

3 Company that are backed by one or more of its statutory funds; g) interests in managed investment schemes including; i. investor directed portfolio services; h) retirement R A products (within the meaning of the Retirement Savings Account Act 1997); i) securities; and j) superannuation; (B) deal in a financial product by a) issuing, applying for, acquiring, varying or disposing of a financial product in respect of the following classes of financial products: i. derivatives; and ii. foreign exchange contracts; and b) applying for, acquiring, varying or disposing of a financial product on behalf of another person in respect of the following classes of products: c) deposit and payment products limited to: i. basic deposit product; ii. deposit products other than basic deposit products; d) derivatives; e) foreign exchange contracts; f) general insurance products; g) debentures, stocks or bonds issues or proposed to be issued by a government; h) life products including: i. investment life insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds; and ii. life risk insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds; i) interests in managed investment schemes including: i. Investor directed portfolio services; j) R A products (within the meaning of the Retirement Savings Account Act 1997); k) securities; and l) superannuation; and (C) make a market for the following financial products: a) foreign exchange contracts; and b) derivatives; to retail and wholesale clients. A IC A F Services L is limited and does not imply approval or endorsement of the business, trading, or solvency of KVB Kunlun, and the ASIC has not approved this FSG document or any other disclosure documents of KVB Kunlun. KVB Kunlun provides General Advice only on Leverage Trading, whereas for Wealth Management services, KVB Kunlun is able to provide both General and Personal Advice. What is general advice? Any advice in Leveraged Trading alone constitutes general advice only. General advice does not take into account your objectives, financial situation, needs or personal circumstances and you should consider the appropriateness of any general advice in this context. 3

4 General advice can include information on or about any KVB Kunlun product or service and the markets in which these products operate. Any information you request about KVB Kunlun products and the markets in which they operate, or information you discuss with a KVB Kunlun employee should only be regarded as general advice. Any discussions with KVB Kunlun employees about any aspect of KVB Kunlun products and services, or their view of markets, both current and future, should not be deemed or regarded as personal advice but as general advice. What is personal advice? Personal advice is advice given to you that takes into account your financial needs and personal objectives. KVB Kunlun and its employees will not give you personal advice on any Leveraged Trading. 1) Leveraged Trading How we operate? We provide clients with the opportunity to deal in derivatives via our KVB Kunlun Leveraged Trading product and our online trading platform. We accept client funds, hold them until we receive a trading instruction, process client trading instructions, provide trade settlement daily Profit & Loss, and deposit & withdrawal facilities. Clients wishing to trade in derivatives with KVB Kunlun must read the Leveraged Trading Product Disclosure Statement ("PDS") and Client Services Agreement ("CSA"). Clients must read, understand and acknowledge their agreement with the terms and conditions of our offer. The PDS includes information about the product, its terms and conditions, the costs and benefits as well as the product risks. Money held on trust Client money received by KVB Kunlun will be held in segregated client bank account(s), in the name of KVB Kunlun Pty Ltd until it is disbursed or distributed in accordance with the T used by KVB Kunlun in accordance with the provisions of the PDS, CSA or as permitted by Law. Money received by KVB Kunlun for client transactions may also be deposited with other banking institutions to facilitate the execution of client trades. Client funds provided to KVB Kunlun may be deposited with KVB Kunlun New ) L KVB N) M trading in derivatives. The client consents to KVB Kunlun (and any Authorised Representative of KVB Kunlun) dealing with client monies as outlined in our FSG, PDS and CSA and consents to KVB Kunlun (and any Authorised Representative of KVB Kunlun) earning interest, fees or commissions in the ordinary course of its business. Conflicts of Interest Since we are the counterparty to each transaction with our clients, we do not perceive that there are any conflicts of interest. We do however have a conflicts of interest policy so that if and when a conflict or perceived conflict arises, we have appropriate measures in place to deal with it. KVB Kunlun may deal on its own account. Staff are not permitted to deal. How we are paid? We may charge fees for the products and services provided to you. Our principal source of revenue (and your principal expense) is the 4

5 spread cost included in the market price we quote you. Spread is the difference between the bid and ask price of the trade. For example, the price of Gold quoted against USD on our online trading platform of XAUUSD $1,440.6 includes our Spread. You may choose to compare our offer price against other market D charges are set out in the PDS and are also available on our website at If you hold a position open overnight, we charge a Swap Fee. This is the differential between the cost of funds in one currency versus the cost of funds of the other currency in the pair you are trading. For Mini account trading, we may charge a commission which ranges from $0-$20 USD per standard lot. External institutions that KVB Kunlun may deal with may also charge their own fees which can include spread costs, bank charges, brokerage clearing charges and fees relating to execution of the trading contracts. We may receive fees, rebates or other direct or indirect benefits from related parties and third parties. Who is involved in providing financial services to me? KVB Kunlun is a company incorporated in and subject to the laws of Australia. The directors and senior management of KVB Kunlun consist of investment, financial and business professionals with entrepreneurial skills and expertise in most international markets. Whilst you deal directly with KVB Kunlun, we manage a range of supplier relationships in order to deliver our service to you. The key relationship is that with our related party service provider, KVB NZ. KVB Kunlun has engaged KVB NZ to undertake all administration activity on our behalf. This arrangement gives KVB Kunlun economies of scale because we operate one dealing function and one administration function, rather than incurring the costs of multiple operations around the world. What returns will I get? KVB Kunlun does not guarantee any returns. Dealing in derivatives is considered high risk due to the use of leverage combined with market volatility. Gains and losses can be magnified. What are my risks? A detailed explanation of the risks involved is contained in the PDS. How do I transact? Clients should first direct their enquiries to their KVB Kunlun representative. Instructions to deal in Derivatives can be provided by internet, , telephone or fax depending on the nature of the transaction. Please speak with your Representative for further details. Remuneration or benefits paid to those who refer clients to us If you have been referred to us by another party, we may pay them a fee or commission in relation to that referral, where the law allows. 2) Wealth Management What financial services do we offer? KVB Kunlun is able to provide general and personal financial advice as follows: Comprehensive or Scaled financial advice Wealth creation and accumulation (through investments in securities, 5

6 listed products, managed funds and/or Structured Investments) Wealth Protection (through the use of income protection, life, trauma or disability insurance) Superannuation Asset allocation Services not provided by KVB Kunlun: Estate Planning Taxation Centrelink entitlements Discretionary account services (KVB Kunlun will only act in accordance with your instructions prior to executing a transaction within your account) Portfolio reviews KVB Kunlun offers, on request, a portfolio review service where an adviser can review your investments and provide you with updated portfolio information and recommendations. Our adviser will work with you to agree what advice and services we will provide and when and how often we will provide them. Where you agree to ongoing advice and services, the details will be documented and provided to you. This includes the frequency of contact between us, any service standards and fees that apply and how the service can be terminated. What documents I may receive? You may receive the following important documents if you choose to engage in the Wealth Management services. Statement of Advice ("SOA") financial product recommendations. You will receive this document as a retail client when we provide you with personal advice that takes into consideration your needs, goals and financial situation. description of your objectives and personal financial circumstances the advice, including the strategy, products and services recommended the basis on which the advice was given, information about fees, commissions and benefits payable. Record of Advice ("ROA") Where you maintain the advice relationship with us and we provide further personal advice, an ROA may be provided instead of an SOA if there have been no significant changes in your personal circumstances or the basis of the advice has not significantly changed since the last SOA was provided. Product Disclosure Statement ("PDS") If a recommendation is made to acquire a financial product, you will be provided with a PDS (or terms and conditions). A PDS provides important information about the product, such as its features, benefits, costs and risks, to help you decide whether or not to buy that product. The PDS should be read carefully, and where provided, the SOA and ROA, before deciding whether to utilise the product. How will I pay for the service? You pay for the service through the fees and charges paid to KVB Kunlun. You will also pay for the cost of acquiring a product issued by a third party financial product issuer (the issuer). An SOA is a document that sets out your needs, goals, financial situation, and your adviser's 6

7 KVB Kunlun is remunerated through the fees charged directly to you and commissions paid, where permissible, by issuers or other service providers in connection with advice given to you and executing transactions on your behalf. If necessary, this commission may be paid at your direction. The nature of the fees and commissions will depend on the type of service and the size of your transaction. 1. Personal advice fees If you receive personal advice from KVB Kunlun, either on a once-off or ongoing basis, you may be required to pay a fee or fees to KVB in relation to the service. 2. Acquisition of investment products KVB Kunlun may receive, where permissible, upfront (e.g. establishment, entry, and contribution, initial) and ongoing (e.g. administration/service/adviser/account) fees on the amount you invest in the following ranges, depending on the financial product: Upfront fees of between 0% - 5.5% (inclusive of GST) of the initial amount invested, and/or brokerage fees Up to 2.2% (inclusive of GST) ongoing fees of the investment balance each year, or a flat annual management fee to be mutually agreed. In addition, KVB Kunlun may, where permissible, receive rebates from certain product issuers and administration service providers. These amounts may be based on the total funds placed and may be paid out of fees charged by the issuer/administration service provider. These rebates do not represent a direct additional cost to you. Full details of fees and commissions (and/or the method of calculation) relevant to the financial advice or service we provide you with will be included in the SOA or as soon as practicable after that time. 3. Acquisition of Insurance products Upfront commissions of up to 130% (inclusive of GST) of the first year premium From second year onward, ongoing commissions of up to 30% (inclusive of GST) of the annual premium. 4. Other remuneration KVB Kunlun may, where permissible, receive marketing rebates, sponsorship payments or non-monetary benefits, such as market reports, briefings, training and sales material from issuers with whom investments and insurance policies are placed. Remuneration or benefits paid to those who refer clients to us If you have been referred to us by another party and you invest through KVB Kunlun, we may pay the other party a fee or commission in relation to that referral, where the law allows. Privacy We require you to provide us with certain information in your dealings with us. It is KVB K privacy of individuals. This Privacy Statement sets out the ways KVB Kunlun manages your information. KVB Kunlun is required to collect certain information in order to provide financial services and satisfy your needs in customer services from time to time. The requested information may include but is not limited to your name, date of birth, address, 7

8 address, telephone number, identification document particulars, income and employment details, etc. The internet service provider of KVB Kunlun may also record your information upon your access to our website including but not limited to your domain name, time of access, contents you access and type of browser. If you choose not to supply information as requested, we may not be able to provide our services to you. Your information may be used for the purpose of daily operation of the service provided to you, managing your account, reviewing your ongoing needs, improving and enhancing customer service and products, promoting and marketing investment, dealing or related services and products, and providing information or opportunities that may be relevant to you. KVB Kunlun will take reasonable steps to protect your information from unauthorized access or use by third parties. Depending on the business operation and product and services concerned, KVB Kunlun may be required to disclose your information to: a) any agent or third party service provider of KVB Kunlun; b) associated or affiliated companies within KVB Kunlun who will undertake to keep such information confidential; c) any person or institution with which you have or propose to have dealings; d) credit reporting or reference agencies; e) courts, tribunals and any regulatory authorities or exchanges which relate to or govern any business of KVB Kunlun; f) In particular, and to meet the requirements of the AML/CTF legislation, we may be required to provide information to Government, Regulatory, Police and Judicial Authorities; g) By opening an account with KVB Kunlun you acknowledge and agree to the terms of our Privacy Statement. Records The following records relating to client money and property are kept by KVB Kunlun: Books of accounts Client statements Records of activities Instructions received from clients Trades executed Commissions or other fees charged Accounting and dealing records are kept for a period of at least seven (7) years. The record of telephone conversations may be kept for a period of one (1) year. Clients may have access to these records. A request for a copy of any or all of the above records must be made to KVB Kunlun in writing. Dependent on the quantity of information requested, and the time to produce the requested information, a fee may be applied. KVB Kunlun will provide a copy of the records by fax, mail, or through an electronic medium. How We Deal with Customer Complaints The information below will describe the complaints resolution procedures of KVB Kunlun. KVB Kunlun is regulated by the ASIC and has established a complaints handling system for any client who is not satisfied with the level of service provided. The first step in resolving a complaint is to call or otherwise contact your KVB Kunlun Representative and discuss the issue. This may provide a quick resolution, or at the very least, will automatically initiate the KVB Kunlun internal complaints handling system. If the nature of the complaint relates to services provided by KVB Kunlun, then your complaint 8

9 will be forwarded to KVB Kunlun. If this initial contact does not satisfy your complaint, or if you simply do not wish to talk to your Representative, then you should detail your complaint in writing and send it to: Compliance Officer KVB Kunlun Pty Ltd Level 18, 2 Park Street Sydney NSW 2000 The letter should contain all details relating to the nature of the complaint, the name of your KVB Kunlun Representative and any other details which you think may be relevant to the complaint. Within 3 business days of KVB Kunlun receiving your complaint, you will be contacted by KVB Kunlun Management staff acknowledging receipt and an attempt will be made to rectify the problem. If the matter is still not resolved at this point, you will receive a letter from KVB Kunlun within 20 business days of the complaint first being reported outlining your rights and results of the investigation. In the event that you are still not satisfied with the result, you can take your matter to an external complaints resolution scheme. KVB Kunlun is a member of the Financial Ombudsman Service (FOS) and in the event that your complaint relates to the KVB Kunlun service provided and that it has not been resolved within 20 business days of it first being reported to KVB Kunlun, you have the right to contact and complain to: Financial Ombudsman Service (FOS) GPO Box 3 Melbourne Vic 3001 (Australia) Tel: Fax: Web: 9

FINANCIAL SERVICES GUIDE (FSG)

FINANCIAL SERVICES GUIDE (FSG) FINANCIAL SERVICES GUIDE (FSG) This Financial Services Guide ( FSG ) must be read in conjunction with the Authorised Representative Profile or Adviser Profile. Together these two documents form the full

More information

Life Insurance and Super Pty Ltd ( Life and Super ) ( LIAS )

Life Insurance and Super Pty Ltd ( Life and Super ) ( LIAS ) Financial Services Guide (FSG) Part 1 Life Insurance and Super Pty Ltd ( Life and Super ) ( LIAS ) Australian Financial Services Licence (AFSL: 405456) This Financial Services Guide Version 1.1: 01 November

More information

Financial Services Guide

Financial Services Guide Financial Services Guide / 1 Commonwealth Private Financial Services Guide Date of issue: 22 June 2015 Issue 10 Commonwealth Private Limited ABN 30 125 238 039 AFSL 314018 Registered office: Ground Floor,

More information

Financial Services Guide

Financial Services Guide Financial Services Guide You have the right to ask us about our charges, the type of advice we will give you, and what you can do if you have a complaint about our services. Important information is presented

More information

FINANCIAL SERVICES GUIDE PART 1

FINANCIAL SERVICES GUIDE PART 1 FINANCIAL SERVICES GUIDE PART 1 9 NOVEMBER 2015 This Financial Services Guide has been authorised for distribution by the authorising licensee: Magnitude Group Pty Ltd ( Magnitude ) ABN 54 086 266 202

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) $ FINANCIAL SERVICES GROUP mybroker Financial Services Group (ASIC No. 434770) Financial Services Guide (FSG) Version November 2012 www.mybrokerservices.com.au mybroker Financial Services Group FSG The

More information

Financial Planning 1 July 2014

Financial Planning 1 July 2014 Financial Planning 1 July 2014 Financial Services Guide Equip Financial Planning 1800 065 753 www.equipsuper.com.au Financial Services Guide Find out how to achieve financial freedom This Financial Services

More information

Financial Services Guide

Financial Services Guide The combined Financial Services Guide of HiFX Limited and HiFX Australia Pty Ltd A Guide To Our Relationship With You And Others This Financial Services Guide (FSG) is issued by: HiFX Limited (HiFX) ARBN

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE VERSION 3.1 15 th September 2015 1 of 10 Table of Contents 1. Issue Date... 3 2. Purpose and Contents of this FSG... 3 3. Name of Service Provider and Contact Details... 3 4. Australian

More information

Financial Services Guide

Financial Services Guide Financial Guide Professional A member of The purpose of this Financial Guide (FSG) is to help you make an informed decision about the services we offer and whether they are suited appropriately to meet

More information

Financial services guide

Financial services guide Financial services guide macquarie.com.au/personal This Financial Services Guide (FSG) is an important document that Macquarie Equities Limited (MEL, we, us or our) as an Australian financial services

More information

Financial Services Guide. A guide to our financial services

Financial Services Guide. A guide to our financial services Financial Services Guide A guide to our financial services Westpac Securities Administration Limited ABN 77 000 09 72 Australian Financial Services Licence Number: 233731 RSE Licence Number: L0001083 Dated

More information

Supplementary Financial Services Guide

Supplementary Financial Services Guide Supplementary Financial Services Guide Dated 27 July 2015 This Supplementary Financial Services Guide (SFSG) supplements Version. February 2015 of the Crowe Horwath Financial Advice Pty Ltd Financial Services

More information

Bendigo Financial Planning. Financial Services Guide. 13 July 2015

Bendigo Financial Planning. Financial Services Guide. 13 July 2015 Bendigo Financial Planning. Financial Services Guide. 13 July 2015 1 Introduction This Financial Services Guide (FSG) is designed to provide you with a clear understanding of what you can expect as a customer

More information

Financial Services Guide Part 1

Financial Services Guide Part 1 Financial Services Guide Part 1 Version 12, 30 JUNE 2014 This Financial Services Guide ( FSG ) has been authorised for distribution by the authorising licensee: Magnitude Group Pty Ltd ( Magnitude ) ABN

More information

Financial Services Guide & Credit Guide

Financial Services Guide & Credit Guide Financial Services Guide & Credit Guide Date of issue: December 2014 InfoChoice Pty Ltd ABN 93 061 105 735 Australian Financial Services Licence No: 349445 Australian Credit Licence No: 349445 Address:

More information

ASR australian share registry

ASR australian share registry 1. About this document This Financial Services Guide (FSG) is an important document. You should read it carefully and make sure you understand it. This FSG is dated 30 th March 2015 and is provided to

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE Version 2.0 Dated 23 April 2014 CAPITAL 19 GLOBAL INVESTMENTS R E A L I S E T H E G R O W T H P O T E N T I A L O F I N V E S T I N G I N G L O B A L M A R K E T S 1 FINANCIAL

More information

SENTRY WEALTH MANAGEMENT. Financial Services Guide Part One

SENTRY WEALTH MANAGEMENT. Financial Services Guide Part One SENTRY WEALTH MANAGEMENT Financial Services Guide Part One Introduction This Financial Services Guide (FSG) is issued with the authority of Sentry Wealth Management Pty Ltd ABN 77 103 642 888 Australian

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE Direct FX Trading Pty Ltd A.C.N. 120 189 424 AFSL #305539 19-21 Hunter Street Level 2 Sydney, NSW 2000 Date: 18 July 2015 FINANCIAL SERVICES GUIDE DIRECT FX TRADING PTY LTD ACN 120 189 424 The purpose

More information

financial services guide ipac financial planning

financial services guide ipac financial planning financial services guide ipac financial planning The financial services guide (FSG) helps you to understand who ipac securities limited (ipac) ABN 30 008 587 595 Australian Financial Services Licence No.

More information

Financial services guide

Financial services guide Macquarie Equities Limited About this document This Financial Services Guide (Guide) is an important document that outlines the types of products and services that Macquarie Equities Limited ( MEL, we,

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE VERSION 4.0 JULY 2014 PATRON Financial Services Pty Ltd trading as PATRON Financial Advice ABN 13 122 381 908 Australian Financial Services Licence Number 307379 All future references

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE A GUIDE TO OUR RELATIONSHIP WITH YOU AND OTHERS This Financial Services Guide (FSG) is designed to assist you in deciding whether to use the services of Entrust Private Wealth

More information

FINANCIAL SERVICES GUIDE 16 October 2015

FINANCIAL SERVICES GUIDE 16 October 2015 FINANCIAL SERVICES GUIDE 16 October 2015 This Financial Services Guide (FSG) is provided by: Walsh & Company Asset Management Pty Limited (ABN 89 159 902 708, AFSL 450257) (Walsh AM); and Walsh & Company

More information

Financial Services Guide

Financial Services Guide Financial Services Guide 1. The Purpose of This Financial Services Guide This Financial Services Guide ( FSG ) is an important document. Please read it carefully and ensure that you understand it. Azure

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE The information in this Financial Services Guide ( FSG ) is specific to the financial services provided by ACNS Capital Markets Pty Ltd (ABN 93 088 503 208) trading as Alto Capital

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE What you need to know about KNM and our Financial Services Contents The purpose of this Guide Who is KNM? Who is your adviser? What products can my adviser provide advice on? How

More information

Financial services guide

Financial services guide Financial services guide The Financial Services referred to in this guide are offered by: Dixon Advisory & Superannuation Services Ltd ABN 54 103 071 665 AFSL 231143 A hard copy of this document is available

More information

A guide to our Financial services

A guide to our Financial services A guide to our Financial services Financial Services Guide Dated 1 July 2015 BT Funds Management Limited ABN 63 002 916 458 Australian Financial Services Licence No. 233724 RSE Licence No. L0001090 as

More information

Financial Services Guide

Financial Services Guide version 1 issued 17 february 2016 Financial Services Guide Morgan Stanley Wealth Management Australia Pty Ltd ABN 19 009 145 555 AFSL 240813 Level 26 Chifley Tower, 2 Chifley Square, Sydney NSW 2000 This

More information

FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice

FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice FINANCIAL SERVICES FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice YOUR FINANCIAL FREEDOM At Catholic Financial Services, we help you achieve financial freedom.

More information

Financial Services Guide

Financial Services Guide NOVATAX FINANCIAL PLANNERS Financial Services Guide Novatax Pty Limited ABN 57 003 811 Australian Financial Services Licence No: 227043 Trading as Novatax Financial Planners 2 Merewether Street Merewether

More information

Contact Details Clients who wish to contact or correspond with Superforex Financial may use the following details:

Contact Details Clients who wish to contact or correspond with Superforex Financial may use the following details: Combined Financial Services Guide and Product Disclosure Statement Financial Services Guide Issue Date: 10 February 2014 This Financial Services Guide ( FSG ) is designed to provide you with important

More information

Financial Services Guide

Financial Services Guide Level 7,34 Charles St Parramatta NSW 2150 PO Box 103 Parramatta NSW 2124 Phone: 02 9687 1966 Fax: 02 9635 3564 Web: www.carnegiefin.com.au Guide Build Protect Manage Wealth Financial Services Guide This

More information

UBS Wealth Management Financial Services Guide

UBS Wealth Management Financial Services Guide Financial Services Guide Australia Ltd ABN 50 005 311 937 AFS Licence No. 231127 UBS Securities Australia Ltd ABN 62 008 586 481 AFS Licence No. 231098 UBS AG, Australia Branch ARBN 088 129 613 AFS Licence

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 8.1 Date: 1 st March 2015 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed to clarify who we

More information

FINANCIAL SERVICES GUIDE (FSG)

FINANCIAL SERVICES GUIDE (FSG) Austbrokers Financial Solutions (SYD) Pty Ltd ABN 94 003 277 852 T/as Taggart Nominees Authorised Representative No: 415837 Norwest Central 607/12 Century Circuit Norwest Business Park Baulkham Hills NSW

More information

Financial Services Guide 26 June 2015

Financial Services Guide 26 June 2015 Financial Services Guide 26 June 2015 Issuer: Forex Capital Trading Pty Ltd AFSL No. 306400 and ABN 69 119 086 270 1 P a g e Purpose of this Financial Services Guide This Financial Services Guide ( FSG

More information

Financial Services Guide

Financial Services Guide Financial Services Guide FOR YOUR QUADRANT FIRST FINANCIAL PLANNER VERSION 5 ISSUE DATE 1 JULY 2013 It is important that you understand this FSG as it is a legal document. If any part of this document

More information

Financial Services & Credit Guide

Financial Services & Credit Guide Financial Services & Credit Guide Dated: 1 June 2014 Version 10 This Financial Services and Credit Guide is issued by your Adviser with the authority of Easton Wealth Australia Ltd. Details of your Adviser

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Issuer: Lumiere Securities Pty Limited, ABN 20 169 151 740, trading as Rubix FX Address: Level 9, 16 O Connell Street Sydney NSW 2000, Australia Website: www.rubixfx.com Phone:

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE Direct FX Trading Pty Ltd A.C.N. 120 189 424 AFSL #305539 19-21 Hunter Street Level 2 Sydney, NSW 2000 Date: 18 July 2015 FINANCIAL SERVICES GUIDE DIRECT FX TRADING PTY LTD ACN 120 189 424 The purpose

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE STA Global Investments Pty Ltd (ACN 158 641 064) Trading as Markets.com Australia Level 29, 66 Goulburn Street Sydney NSW 2000 Australia FINANCIAL SERVICES GUIDE AUSTRALIAN FINANCIAL SERVICES LICENCE NO:

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE VERSION 6.0 OCTOBER 2014 PATRON Financial Services Pty Ltd (ABN 13 122 381 908) atf the PATRON Financial Trust (ABN 32 307 788 137) trading as PATRON Financial Advice (PATRON)

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Why this guide is important to you This Guide explains the services we provide, as well as giving you important information that will help you decide if you want to

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Phillip Capital Limited AFSL No. 246827 - ABN 14 002 918 247 Phillip Capital Trading Pty Ltd AFSL No. 246796 - ABN 68 066 066 911 (together Phillip Capital ) Purpose of the Financial

More information

Financial Services Guide

Financial Services Guide Benn Financial Group Pty Ltd Financial Services Guide Why this Guide is important to you This Guide explains the financial planning services we provide, as well as giving you important information that

More information

Approved Products List

Approved Products List Financial Services Guide (FSG) of Liddell & Ko Pty Ltd atf StirlingTrust and Highgate Trust (Authorised Representative No: 343754 Version March 2014 1.8 (Issued 12 March 2014) This document must be accompanied

More information

Financial Services Guide part one

Financial Services Guide part one SENTRY Financial Planning Financial Services Guide part one Financial Services Guide - Part One Introduction This Financial Services Guide (FSG) is issued with the authority of Sentry Financial Planning

More information

Alta Investment Management Financial Services Guide

Alta Investment Management Financial Services Guide Financial Services Guide Version 2.2 Dated: December 2012 Alta Investment Management Pty Ltd ABN: 79 118 942 135 AFS Licence No.: 300692 Level 7, 66 Hunter Street Sydney NSW 2000 phone: 02 9235 0178 fax:

More information

Financial Services Guide. Version 8

Financial Services Guide. Version 8 Financial Services Guide Version 8 Date: 1 July 2014 The documents you will receive from us Financial Services Guide This Financial Services Guide is designed to clarify who we are and what we do, and

More information

Financial Services Guide

Financial Services Guide Financial Services Guide 1 November 2015 This Financial Services Guide is issued by: JBWere Limited (JBWere) ABN 68 137 978 360, AFSL 341162 jbwere.com Unless otherwise disclosed in the product disclosure

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL FACT FIND PARKHILL FINANCIAL PLANNING PTY LTD FINANCIAL SERVICES GUIDE Authorised Representative of INTEGRITY FINANCIAL PLANNERS PTY LTD Authorised and issued by Integrity Financial Planners

More information

BT Wholesale Multi-manager Australian Shares Fund

BT Wholesale Multi-manager Australian Shares Fund BT Wholesale Multi-manager Australian Shares Fund Product Disclosure Statement ( PDS ) Issued 1 July 2015 ARSN 118 469 720 APIR BTA0259AU Contents 1. About BT Funds Management Limited 2 2. How the Fund

More information

ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS)

ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) Issued: 1 July 2015 ARSN 087 295 501 APIR ADV0053AU Contents 1. About Advance Asset Management Limited... 2 2. How the Fund

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE Short Form What you need to know about KNM, our Authorised Representatives and our Financial Services Contents The purpose of this Guide Who is KNM? Who is your adviser? KNM Services

More information

IBFX AUSTRALIA PTY LTD Financial Services Guide ( FSG )

IBFX AUSTRALIA PTY LTD Financial Services Guide ( FSG ) IBFX AUSTRALIA PTY LTD Financial Services Guide ( FSG ) Last Updated: May 15, 2013 IBFX Australia Pty Ltd Financial Services Guide Page 1 Financial Services Guide Purpose of this Financial Services Guide

More information

LTTTM and its nominated representatives are authorised under WPEX S AFSL to:

LTTTM and its nominated representatives are authorised under WPEX S AFSL to: Financial Services Guide This Financial Services Guide ( FSG ) dated 28 January 2016 is provided to you by Learn To Trade The Market Pty Ltd (ABN 68 137 007 062) ( LTTTM, we, our, us ) to inform you of

More information

Perks Wealth Management Financial Services Guide

Perks Wealth Management Financial Services Guide Perks Wealth Management Financial Services Guide ABN 88 086 643 085 Australian Financial Services Licence No. 236 551 Version 16 Page 1 Before you decide to proceed with any of our services, we believe

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version: Version 18.0 Issue date: 23 March 2015 Important information We recommend you read this Financial Services Guide (FSG) because it contains important information designed

More information

21 JULY 2014 FINANCIAL SERVICE GUIDE BACERA CO PTY LTD ACN 130 877 137 ASFL 328794

21 JULY 2014 FINANCIAL SERVICE GUIDE BACERA CO PTY LTD ACN 130 877 137 ASFL 328794 21 JULY 2014 FINANCIAL SERVICE GUIDE 1 BACERA CO PTY LTD ACN 130 877 137 ASFL 328794 1 Purpose of this Financial Services Guide This Financial Service Guide (FSG) is issued by Bacera Co Pty Ltd (Bacera).

More information

OANDA Australia Pty Ltd

OANDA Australia Pty Ltd OANDA Australia Pty Ltd Australian Financial Services Licence No. 412981 ACN 152 088 349 FINANCIAL SERVICES GUIDE (FSG) PURPOSE AND CONTENT OF THIS FSG The financial services referred to in this Financial

More information

Financial Services Guide

Financial Services Guide Hyland Financial Planning Financial Services Guide Why this Guide is important to you This Guide explains the financial planning services we provide, as well as giving you important information that will

More information

Financial Services Guide

Financial Services Guide Financial Services Guide 9 th July 2014 The provider of the services described in this Financial Services Guide is Sharelord Investor Pty Ltd ABN 36 162 669 883 as authorised representative (437618) of

More information

Financial services guide

Financial services guide Financial services guide Third Party Platform Pty Ltd (ABN 74 121 227 905) AFSL No 314341 Participant of the ASX Group This Financial Services Guide ( FSG ) has been provided to you by Third Party Platform

More information

Financial Services Guide

Financial Services Guide Financial Services Guide 4 May 2015 The provider of the services described in this Financial Services Guide is SDR Future Pty Ltd ABN 45604848044 as authorised representative (1007828) of Capital 19 Pty

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version: Version 19.0 Issue date: 22 October 2015 Important information I recommend you read this Financial Services Guide (FSG) because it contains important information designed

More information

Financial Services Guide

Financial Services Guide Financial Services Guide AETOS Capital Group Pty. Ltd. 12 January, 2016 V20160112 AETOS Capital Group Pty Ltd, ACN 125 113 117 Address: Website: www.aetoscg.com Phone: +61 (2) 9929 2100 Fax: +61 (2) 9929

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Authorised for distribution by: Eastwoods Wealth Management Pty Ltd trading as Beyond Bank Australia Wealth Management ABN 17 008 167 002 Australian Financial Services Licensee 237853 62 The Parade, Norwood

More information

Financial Services Guide. Westpac Financial Planning

Financial Services Guide. Westpac Financial Planning Financial Services Guide Westpac Financial Planning Table of contents 1. The value of this Financial Services Guide... 1 2. About the Westpac Group... 1 3. Financial Planning with Westpac... 1 4. What

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 8 Date: 20 th October 2015 The documents you will receive from us Financial Services Guide This Financial Services Guide is designed to clarify who we are and what we do,

More information

The purpose of this FSG is to assist you in deciding whether to use any of the financial services we offer. After reading this FSG, you will know:

The purpose of this FSG is to assist you in deciding whether to use any of the financial services we offer. After reading this FSG, you will know: York Wealth Management Pty Ltd Financial Services Guide as of 1 May 2015 About this Financial Services Guide This Financial Services Guide (FSG) is issued by York Wealth Management Pty Ltd (ABN 46 605

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Aon Hewitt Limited ABN 13 091 225 642 Australian Financial Services Licence 239183 Australian Credit Licence 239183 Version 5 1 October 2014 Table of contents Introduction

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 8 Date: 1 st July, 2014 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed to clarify who we are

More information

ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS)

ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) Issued: 1 July 2015 ARSN 087 296 008 APIR ADV0045AU Contents 1. About Advance Asset Management Limited... 2 2. How the Fund

More information

Your Financial Services Guide

Your Financial Services Guide The documents you will receive from us Financial Services Guide Your Financial Services Guide This Financial Services Guide is designed to clarify who we are and what we do, and help you decide whether

More information

1. About our practice

1. About our practice Financial Services Guide Why this Guide is important to you This Guide explains the financial planning services we provide, as well as giving you important information that will help you decide if you

More information

The documents you will receive from us. About our Licensee

The documents you will receive from us. About our Licensee C.A.G Wealth Management Pty Ltd Level 5, 530 Collins Street MELBOURNE VIC 3000 PO Box 453 Collins Street West MELBOURNE VIC 8007 P: +613 9605 0001 F: +613 9605 0002 E: admin@cagwm.com.au W: www.cagwm.com.au

More information

Financial Services Guide

Financial Services Guide Financial Services Guide A Guide to Our Relationship with You and Others This guide contains important information about: who we are; the services and products we offer; the costs, remuneration and other

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE ABOUT THIS FINANCIAL SERVICES GUIDE In this Financial Service Guide (FSG), when the terms We, Our or Us are used, it means ETRADE Australia Securities Ltd (ACN 078 174 973), ETRADE

More information

Gerard Lillis Financial Solutions Pty Ltd ACN 163 737 344 Trading as Lifepath Financial Planning

Gerard Lillis Financial Solutions Pty Ltd ACN 163 737 344 Trading as Lifepath Financial Planning Gerard Lillis Financial Solutions Pty Ltd ACN 163 737 344 Trading as Lifepath Financial Planning Financial Wisdom Limited ABN 70 006 646 108 Australian Financial Services Licence No. 231138 11 Harbour

More information

Morony Financial Services Financial Services Guide

Morony Financial Services Financial Services Guide Morony Financial Services Financial Services Guide Version 8 Date: 01/07/2014 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 8 Date: 1 July 2014 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed to clarify who we are and

More information

Financial Services Guide for Corporate Authorised Representatives

Financial Services Guide for Corporate Authorised Representatives Financial Services Guide for Corporate Authorised Representatives March 2014 2014 Please take the time to read this document carefully as it contains important information about us, the service we provide,

More information

Financial Services Guide

Financial Services Guide Analyzer Financial Group Pty Ltd Financial Services Guide Why this Guide is important to you This Guide explains the financial planning services we provide, as well as giving you important information

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Issued on 27 April 2012 Helping you make the most of life Financial Services and Credit Guide RI Advice Group Pty Ltd ABN 23 001 774 125 Australian Financial Services Licence 238429 Australian Credit Licence

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version: Version 19.0 Issue date: 22 October 2015 Important information I recommend you read this Financial Services Guide FSG because it contains important information designed

More information

Financial Services Guide

Financial Services Guide Financial Services Guide This Financial Services Guide (FSG) is dated 1 July, 2015 It provides you with information about the financial services provided to you by Citigroup Pty Limited ABN 88 004 325

More information

financial services guide ipac financial planning

financial services guide ipac financial planning financial services guide ipac financial planning The financial services guide (FSG) helps you to understand who ipac securities limited (ipac) ABN 30 008 587 595 Australian Financial Services Licence No.

More information

Financial Services Guide

Financial Services Guide Financial Services Guide ABOUT THIS GUIDE We are required by law to provide you with this Financial Services Guide ( FSG ). It provides you with information about ICM Securities Pty Ltd, ACN 161 982 716

More information

Financial Services Guide. Bank of Melbourne Financial Planning

Financial Services Guide. Bank of Melbourne Financial Planning Financial Services Guide Bank of Melbourne Financial Planning Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence No. 233714 Australian

More information

Issued by: OzFinancial Pty Ltd ABN: 85 106 823 741 Australian Financial Services Licence Number: 241041

Issued by: OzFinancial Pty Ltd ABN: 85 106 823 741 Australian Financial Services Licence Number: 241041 Last Updated 19 th August 2015 Issued by: OzFinancial Pty Ltd ABN: 85 106 823 741 Australian Financial Services Licence Number: 241041 TradersCircle Pty Ltd (TradersCircle) is an Authorised Representative

More information

Financial ServiceS Guide

Financial ServiceS Guide Financial ServiceS Guide Your Service Provider is: Graham Financial Pty Ltd ABN 40 099 693 606 Australian Financial Services Licence Number: 327520 Membership: Financial Planning Association Pty Ltd Boutique

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 18.0 Issue date: 23 March 2015 Important information We recommend you read this Financial Services Guide (FSG) because it contains important information designed to help

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Issued: 1 November 2013 In this Financial Services Guide (FSG), we, our, us or AEGON means AEGON Direct & Affinity Marketing Services Australia Pty Ltd (ABN 35 082 524 785) with

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) Version: Version 18.0 Issue date: 23 March 2015 Important information We recommend you read this Financial Services Guide (FSG) because it contains important information

More information

Financial Services Guide

Financial Services Guide 1 July 2014 Financial Services Guide This Financial Services Guide (FSG) is an important document which provides you with information to help you decide whether to use our financial services. Your financial

More information