Financial Services Guide

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Financial Services Guide"

Transcription

1 Level 7,34 Charles St Parramatta NSW 2150 PO Box 103 Parramatta NSW 2124 Phone: Fax: Web: Guide Build Protect Manage Wealth Financial Services Guide This Financial Services Guide will clarify who we are, what we do and the services we provide. This allows you to make an informed decision on whether to use our services. It also contains information on how you pay for our services and how we ensure your satisfaction with our advice. Contents About Carnegie Financial Planning... 2 What We Do... 2 Your Relationship with Carnegie Financial Planning... 4 Managing Your Information... 4 Using your Personal Information... 4 Consent to Marketing Activity... 5 Receiving Our Advice... 5 Other Payments and Benefits we can receive... 6 When and How You Pay for our Advice and Services... 6 How we Charge for our Advice and Services... 6 Your Confidence in Our Advice... 5 Our Complaints Procedure

2 About Carnegie Financial Planning Carnegie Financial Planning Pty Ltd (ABN ) is an Australian Financial Services Licensee (AFSL No ). Carnegie Financial Planning is a Proprietary Limited Company. The Directors are Sheila Cabacungan and Jonathan Fowell. The majority shareholder is Sheila Cabacungan and her related entities. Sheila Cabacungan is our Principal Financial Planner and also serves as the Responsible Manager. Sheila Cabacungan CFP, SSA, B.Ec, Dip FP. Principal Financial Planner and Director Sheila has practised as a Financial Planner for over 15 years providing personal financial advice. She has the professional experience and formal education to practise as a Certified Financial Planner. Sheila is an accredited Self-Managed Super Fund Specialist Adviser and is also a Tax Agent (Financial Services) Jonathan Fowell CPA Director Jonathan has 30 years of experience in public practice as a Certified Practising Accountant. He is also a registered tax agent. He has significant expertise in a variety of industries, in tax law, financial and management accounting. He provides tax advice, business and accounting services to individuals and corporations. Jonathan is the Principal Accountant of Carnegie Financial Services and is also a Director of Carnegie Finance. Our Associations and Relationships Carnegie Financial Services is an independently owned provider of Financial Advice. We are not owned by or associated with any Financial Institution or Insurance Provider. Carnegie Financial Planning works in partnership with the following companies located at Level 7/34 Charles St Parramatta NSW 2150 Carnegie Financial Services Pty Ltd ABN Carnegie Finance Pty Ltd ABN Sheila Cabacungan as Principal Financial Planner and Responsible Manager is associated with: Self-Managed Super Fund Professionals Association of Australia (SPAA) as a Specialist SMSF Adviser. Financial Planning Association (FPA) as a Certified Financial Planner (CFP) Practitioner What We Do Our Purpose is to empower our clients to make smart decision about money. We provide personal advice, strategies and solutions to achieve their life and wealth goals. To do this we partner with you to gain an understanding of what is important to you. We work in harmony with our business partners and your trusted advisers. We create and manage solutions to address your concerns and achieve your wealth goals. 2

3 Carnegie Financial Planning can provide you with Financial Advice in Relation to: Building Wealth Wealth Accumulation Superannuation Retirement Planning Self-Managed Superannuation Protecting Wealth Income and Asset Protection Family and Personal Protection Business Ownership Protection Estate Planning Managing Wealth Tax Strategies for individuals, trusts and business owners Government Benefits for individuals Debt Management for individuals, trusts and business owners Redundancy Planning for individuals Administration and Accounting services for Self-Managed Superannuation Funds Wealth Education Group seminars on Building, Protecting, Managing Wealth tailored to the needs of the group We are able to provide Advice and Deal in the following financial products: Financial Products to Building Wealth Government Debentures, stocks or bonds Managed Investment Schemes including Investor Directed Portfolio Services Superannuation Retirement Savings Accounts Securities Standard Margin Lending Facilities Financial Products to Protect Wealth Life Products Investment Life Insurance Life Products Life Risk Insurance Financial Products to Manage Wealth Basic Deposit Products Non Basic Deposit Products 3

4 Your Relationship with Carnegie Financial Planning Operating under our own Australian Financial Services License gives us the ability to put your personal and financial interests foremost in all our dealings with you. How to give us instructions: You can give instructions to us in any one of the following ways: In person By phone By mail By fax By Who are we acting for: When we provide financial services we are acting on your behalf and not on behalf of any product issuers. Managing Your Information To give you appropriate advice we need to know about you. Collecting information about your current financial situation, your personal circumstances and what you hope to achieve is the first step in our Financial Planning Process. Without this information, our advice may not be appropriate and relevant to your circumstances. Why We Collect Personal Information We collect your personal information to provide you with the financial services you have requested and to contact you about other strategic solutions, products and services that may be relevant to your current and future needs. We have an obligation to ensure that our Advice and Product dealings with you are appropriate for your needs and circumstances. We are required to know our client to know our products and act in the best interests of our client. These obligations and our fiduciary duty require us to obtain your personal information. Protecting your Privacy To protect your privacy your client file will be kept securely by us. Your client file will contain your personal information, risk profile, personal objectives and financial circumstances along with our recommendations and file notes. You are entitled to obtain access to the information we hold about you. In some cases as permitted by law we may withhold access and in that event we will explain in writing the reasons why. Using your Personal Information Carnegie Financial Planning may provide your personal information to the following services providers. We may also with your written consent obtain information from these providers: Other advisers, Para-planners and organisations who work with us Insurance providers, superannuation trustees, product providers Organisations that help us operate our business providing administration, financial, accounting, insurance, research, legal, strategic advice, auditing, computer or other business services. Your nominated representatives and service providers Organisations involved in a business restructure or transfer of assets for our business and Government Authorities and Organisations when required by law. 4

5 Consent to Marketing Activity We presume that you consent to being contacted by us about suitable products, services and strategic advice relevant to you. This contact will be made using the agreed contact methods you provide to us. We can continue to contact you for this purpose until you withdraw your consent. You can withdraw your consent by contacting us. For more information about your Privacy you can visit the Federal Privacy Commissioner s website at Your Confidence in Our Advice As a valued client, your satisfaction with our Financial Advice and Services is important to us. We have procedures in place to manage and resolve any concerns you have fairly and promptly. If you are unhappy with the advice you receive or other aspects of our service, please let us know so we can act on it immediately. Our Complaints Procedure Carnegie Financial Planning is a member of Financial Ombudsman Service We will work to resolve your complaint within 45 days from receiving your complaint in writing. If your complaint isn t resolved within 45 days or isn t resolved to your satisfaction, you can refer to The Financial Ombudsman Service (FOS). FOS is a free, accessible and fair independent dispute resolution service available to consumers. You can contact FOS on at or by writing to: The Manager Financial Ombudsman Service GPO Box 3 Melbourne VIC 3001 Carnegie Financial Planning holds Professional Indemnity Insurance that satisfies the requirements (Section 912B) of the Corporations Act. Carnegie Financial Planning has Professional Indemnity in place to cover us for the financial services we provide. We understand it is adequate to meet our requirements as financial services licensee. The policy includes coverage for claims in relation to the conduct of representatives/employees who no longer work for us (but who did at the time of the relevant conduct) 5

6 Receiving Our Advice In addition to this Financial Services Guide, when we provide you with financial advice we will present you with a Statement of Advice (SOA). Your SOA will describe the strategies, products and services we recommend. It will outline any fees and commissions we will receive as a result of our recommendations. It will disclose any associations we have with the financial product providers and other parties we recommend. If you receive further advice from us, it will also be documented in either a Record of Advice (ROA) or in another SOA. You can request a copy of any SOA and ROA written for at any time up to seven years from the date of the advice provided. We will also provide you with a Product Disclosure Statement (PDS) or offer documents for all financial products we recommend, where applicable to help you make a smart and informed decision. We will also take instructions from you to deal in a Financial Product or make changes to your SOA. Generally instructions will be required in writing (e.g. by fax, or letter) we can also agree on other methods as required. Other Payments and Benefits we can receive We will provide you with details of all fees, commissions or other benefits we may receive as a result of our advice to you. Where possible we will advise you of these payments and benefits in dollar amounts and in relation to your funds under advice. If we are unable to provide this detail, worked examples will be provided. Even if you don t receive personal advice from us, we may still receive payments and benefits resulting from any other financial service we provide to you. In this case we will disclose these payments and benefits to you. Carnegie Financial Planning can also receive non-monetary benefits such as subsidised Professional Education, Continuing Professional Development Workshops, Event Sponsorship, Merchandising Sponsorship and provision. A register of these non-monetary benefits will be kept by Carnegie Financial Planning and will be available for client view on request. When and How You Pay for our Advice and Services Carnegie Financial Planning is proud to hold our own Australian Financial Services License. We are independently owned by the Directors and Shareholders listed on page 2. This allows us the autonomy and ability to provide a Fee for Advice service to you. This allows you to know that you are paying for our advice irrespective of any product you use. It clarifies the advice you receive and ensures that all recommendations are driven by your needs and goals. We will agree on the cost for obtaining our Advice and the cost for implementing our recommendations. You can choose to pay in the following ways: A one off deduction from your initial investment A direct invoice payable within 30 days of receiving our Statement of Advice or Implementing our Advice Via a commission we receive from a financial product provider when you commence an insurance or loan contract or Any combination of the above. All Fees are inclusive of GST 6

7 How Are our Representatives Are Paid Our Representatives are paid by share of operating profit derived from our Advice and Service Fees below. How we Charge for our Advice and Services Initial Advice Initial consultation Discovery and Scoping consultation Strategy Presentation At our expense At our expense At our expense Advice preparation A fee for service based on an hourly rate of $330. With a minimum fee of $660. We can also cap our hourly rate based on the complexity of your Advice needs. Transactional Advice $1,650 Strategic Advice $3,300 Complex Strategic and Structural Advice $6,600 Before we give you our Advice we will determine the appropriate category of advice and get your consent to proceed. We will ask you to agree to Terms of Engagement that will form the basis of our relationship with you. Implementation Under a Fee for Advice Agreement If you elect to pay us a fee for service the following fees will apply. The fees will depend on the size of the investment portfolio and the complexity of the advice: A fee for service based on an hourly rate of $330. With a minimum fee of $660. We can also cap our hourly rate based on the complexity of the implementation. Transactional Implementation $660 Complex and Structural Implementation $1,320 Paying your Initial Advice and Implementation Fees You may pay fees by credit card, direct debit, cheque or debit from your investment account. 7

8 How we Charge for our Advice and Services Ongoing Advice Ongoing fee for service If we agree to provide ongoing advice the agreed scope, terms and conditions of this service will be documented in an Ongoing Service Agreement. This document will provide the basis for our ongoing service to you and the fees payable. If you elect to pay a fee for the ongoing service and review of your financial planning strategy, the ongoing service fee is based on the complexity of ongoing advice and the services provided. The minimum fee is $1,650 while the maximum is 1.173% of the value of your portfolio each year. For example the fee in a $200,000 investment could be between $1,650 and $2,346 per annum. We will receive ongoing commission (as detailed below) for any life insurance products you have in addition to this fee. Ad hoc advice Commission on Investment Products and Margin Loans for Implementation & Ongoing services The ongoing service fee may be collected monthly through the product issuer or paid directly by you via credit card, direct debit or cheque. Where you do not wish to participate in an ongoing service arrangement but require ongoing advice on an ad hoc basis, an hourly fee $330 may apply. Unless you have agreed to a fee for advice arrangement we will receive commission for our initial and ongoing services to you. The relevant product issuer will pay initial upfront commission is between 0% and 5. 5% and ongoing commission between 0% and 0.88% of the value of your investments (including margin loans) for as long as you hold the product. For example an investment of $100,000 could result in an initial upfront commission payable to us in the range $0 to $5,500. Ongoing commissions on an investment of $100,000 could result in an annual commission payable to us in the range of $0 to $880). Commission on Life Insurance Products For Implementation & ongoing services. Commissions are paid to us by the product provider and are not a direct cost to you. We will receive commission for our initial and ongoing services to you. The relevant insurer will pay initial commission between 0% and 130% and ongoing commission between 0% and 33% of the annual premium for as long as you hold the product. For example on an insurance premium of $1,000 the initial commission will range from $0 to $1300. Ongoing commission on an insurance premium of $1,000 will range from $0 to $330. Commissions are paid to us by the product provider and are not a direct cost to you. 8

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 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

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: 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

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

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

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 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

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

Your Financial Services and Credit Guide

Your Financial Services and Credit Guide Your Financial Services and Credit Guide Version 8 Date: 01/07/2014 Table of contents www. THE DOCUMENTS YOU WILL RECEIVE FROM US - 3 - ABOUT OUR LICENSEE - 4 - ABOUT US - 5 - HOW WE MANAGE YOUR PERSONAL

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

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 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 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 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 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

This Financial Services Guide Version 3: 23 November 2012, refers to services offered by:

This Financial Services Guide Version 3: 23 November 2012, refers to services offered by: This Financial Services Guide Version 3: 23 November 2012, refers to services offered by: Fluid Financial Planning Pty Ltd Level 1 5 Ridge Street North Sydney NSW 2060 ABN: 85 140 515 680 Australian Financial

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 1.0 August 2014 Michael Peel Lanyon Partners Private Wealth AFSL 228914 ABN 77 085 878 897 Level 1, 971 Burke Road, CAMBERWELL VIC 3124 phone (03) 9861 6100 fax (03) 8678

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

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 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

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 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 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

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE This Financial Services Guide ( FSG ) explains Astute Advisory Services Pty Ltd ( AAS ) financial services offering. It is a legal requirement that you must be provided with an

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 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 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

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 (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 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 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 Date of issue: 1 Jan 2015 This Financial Services Guide (FSG) is an important document. Please ensure that you read this FSG carefully. It is provided by Club Plus Financial Planning

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) Version: Version 18.1 Issue date: 23 March 2015 Important information We recommend you read this Financial Services Guide (FSG) because it contains important information

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 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

Financial Services Guide

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

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

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

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 (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 Services Guide

Financial Services Guide Financial Services Guide David Pidcock 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 (FSG) Version: 19.0 Issue date: 22 October 2015

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

More information

Financial Services Guide. Important information. Version: Version 18.0 Issue date: 23 March 2015

Financial Services Guide. Important information. Version: Version 18.0 Issue date: 23 March 2015 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

St.George Financial Planning. Financial Services Guide

St.George Financial Planning. Financial Services Guide St.George Financial Planning Financial Services Guide Issue date: 1 July 2013 Authorised for distribution by: Westpac Banking Corporation (Westpac) ABN 33 007 457 141 Australian Financial Services Licence

More information

Financial Services Guide

Financial Services Guide 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

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 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

Financial Services & Credit Guide

Financial Services & Credit Guide Financial Services & Credit Guide 5 Wealth Management Pty Ltd Part of the 5 Financial Group ABN 50 003 640 097 AFSL No 314889 Suite 2C, Level 2 9 Blaxland Road RHODES NSW 2138 PO Box 3162 RHODES NSW 2138

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

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

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

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version: Version 19.0 Issue date: 22 October 2015 Important information We 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 Effective Date: 01.08.2015 Contents About this document 3 Financial services and products we are authorised to provide 4 Who does NAB act for when providing financial services?

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Version 19.0 Issue date: 22 October 2015 Charter Financial Planning Limited ABN 35 002 976 294 Australian Financial Services Licensee 234665 www.charter.com.au Important information

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 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

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

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

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

Financial Services Guide TM March 2014 Version 11 This Financial Service Guide is intended to provide you with important information prior to us providing you with a financial service The financial services referred to in this

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 Boston Private Wealth Pty Ltd Financial Services Guide The Financial Services referred to in this guide are offered by Neil Heriot, Chris Murphy, John Pearson & Bruce Cameron on behalf of Boston Private

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

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 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

Financial Services Guide. Anne Street Partners Financial Services Pty Ltd

Financial Services Guide. Anne Street Partners Financial Services Pty Ltd Financial Services Guide Anne Street Partners Financial Services Pty Ltd Financial Services Guide (FSG) Anne Street Partners Financial Services Pty Ltd ABN 25 107 671 563. Level 14, 383 Kent Street, Sydney

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 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

Financial Services Guide. Important information. Darren Thomas. Version 19.0 Issue date: 22 October 2015

Financial Services Guide. Important information. Darren Thomas. Version 19.0 Issue date: 22 October 2015 Financial Services Guide Darren Thomas 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 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 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

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 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 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. 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 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 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

Financial Services Guide (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) A guide to the services we provide and how we will work with you to achieve your goals Llewelyn Financial Services Pty Ltd trading as Planwell Financial Group 56 B Wyndham

More information

Suncorp Financial Services

Suncorp Financial Services Suncorp Financial Services Financial Services Guide A guide to our relationship with you and others Prepared: 22 July 2015 Effective 24 August 2015 Important Information about this document This document

More information

FINANCIAL SERVICES GUIDE 4 March 2015

FINANCIAL SERVICES GUIDE 4 March 2015 Web: www.dmgfinancial.com.au e-mail: fp@dmgfinancial.com.au FINANCIAL SERVICES GUIDE 4 March 2015 This Financial Services Guide (FSG) is an important document which we must give you under the requirements

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Planwell Financial Group Level 5, 65 Brougham Street, PO Box 1408, GEELONG VIC 3220 Phone: (03) 5225 5900 Fax: (03) 5222 2210 Email: errol@planwellgroup.com.au Web: www.planwellgroup.com.au

More information

Financial Services Guide (FSG)

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

More information

FINANCIAL SERVICES GUIDE 9 DECEMBER 2015

FINANCIAL SERVICES GUIDE 9 DECEMBER 2015 FINANCIAL SERVICES GUIDE 9 DECEMBER 2015 Financial Services Guide FINANCIAL SERVICES GUIDE 9 DECEMBER 2015 ABOUT THIS FINANCIAL SERVICES GUIDE This Financial Services Guide (FSG) is designed to help you

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 (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) A guide to the services we provide and how we will work with you to achieve your goals Shane Gourley AdvDip.FS(FP), BBus David Gourley - AdvDip.FS(FP) Richie Sorensen Dip.FS(FP)

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) A guide to the services we provide and how we will work with you to achieve your goals The Family Wealth Advisory Group Pty Limited ABN 46 138 910 997 Level 12, 111 Elizabeth

More information

KVB Kunlun Financial Services Guide

KVB Kunlun Financial Services Guide Issued By: KVB Kunlun Pty Limited Last Update: 15 January 2015 KVB Kunlun Financial Services Guide www.kvbkunlun.com 1 FINANCIAL SERVICES GUIDE T F G F G important information and is designed to assist

More information

FINANCIAL SERVICES GUIDE Version 7 18 th February 2015

FINANCIAL SERVICES GUIDE Version 7 18 th February 2015 FINANCIAL SERVICES GUIDE Version 7 18 th February 2015 1 FINANCIAL SERVICES GUIDE (FSG) THE PURPOSE OF THE FINANCIAL SERVICES GUIDE Our Financial Services Guide is designed to help you understand who

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) A guide to the services I can provide and how I will work with you to achieve your goals Dean Royal Trading as How to Financial Plan As part of the Pinnacle Advisory Services

More information

Financial Services Guide

Financial Services Guide Ian Henry Financial Services Office 2, 253 Hampton Street Hampton Victoria 3188 P O Box 41 Hampton Victoria 3188 Telephone: (03) 9521 0303 Fax: (03) 9521 0107 Email: ianhenry@financialservices.net.au Website:

More information

Financial Services Guide

Financial Services Guide 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

Peel Wealth Financial Planning (WA) Pty Ltd ACN 008 960 638

Peel Wealth Financial Planning (WA) Pty Ltd ACN 008 960 638 Peel Wealth Financial Planning (WA) Pty Ltd ACN 008 960 638 Financial Wisdom Limited ABN 70 006 646 108 Australian Financial Services Licence No. 231138 11 Harbour Street Sydney NSW 2000 Telephone 1800

More information

Financial Services Guide 10.14

Financial Services Guide 10.14 Financial Services Guide 10.14 Introduction This Financial Services Guide is designed to assist you in deciding whether to use any of the financial services offered by Australia and New Zealand Banking

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) A guide to the services we provide and how we will work with you to achieve your goals PRPIA Pty Ltd trading as Guild Financial Planning Melbourne Office: 636 St Kilda Road,

More information