Financial Services Guide

Why the Financial Services Guide (FSG) Is Important

Please find the attached Financial Services Guide (FSG) and Adviser Profile for your reference.

As licensed financial advisers, we are legally required to provide you with a Financial Services Guide before offering any financial advice or services. This document plays a vital role in helping you make informed decisions and understanding the nature of the financial advice relationship. It includes the following key information:

Who We Are:

The FSG outlines details about the financial services business and adviser you’re dealing with, including our contact information and the financial services we are authorised to provide.

Services We Offer:

It describes the types of advice and services we are licensed to provide — such as investment advice, superannuation strategies, insurance planning, retirement planning, and more.

How We Are Paid:

The guide explains how we are remunerated, including any advice fees, product commissions, or other benefits we may receive, so that you can clearly understand any potential costs or incentives.

Your Rights as a Client:

The FSG outlines your consumer rights, including your right to receive professional and ethical service, and how you can make a complaint if you’re dissatisfied with the advice or service you receive.

Our Legal Obligations and Conflicts of Interest:

It discloses our obligations under the law, such as acting in your best interests, managing conflicts of interest, and providing advice that is appropriate for your circumstances.

Why This Matters – Your Protection Under the Law

As licensed financial advisers, we operate under an Australian Financial Services Licence (AFSL) and are fully regulated by the Australian Securities and Investments Commission (ASIC). This means our conduct is governed by the Corporations Act 2001 (Cth) — a key piece of legislation designed to protect consumers and uphold integrity in the financial system.

This regulation ensures that:

We must meet strict professional, ethical, and educational standards.
We are legally obligated to act in your best interests and provide advice that is appropriate and tailored to your needs.
We are subject to regular compliance monitoring and enforcement by ASIC to ensure that you receive honest and competent advice.
You have access to external dispute resolution schemes, such as the Australian Financial Complaints Authority (AFCA),

It’s important to be cautious when receiving financial information from unlicensed individuals, online ads, or general advice services. These sources are not subject to the same regulatory standards as licensed financial advisers and are not required to consider your personal circumstances, goals, or best interests.

Because they operate outside the strict compliance framework set by ASIC and the Corporations Act 2001, there is a real risk that the guidance provided may be generic, inappropriate, or even misleading for your specific situation. Additionally, if something goes wrong, you may have limited protections or recourse available to you.

By working with a licensed adviser, you can be confident that:

Your financial situation and goals are properly assessed,
The advice you receive is in your best interests and meets legal standards,
And you are protected by a regulatory framework designed to safeguard consumers.

Choosing a licensed professional ensures that the advice you receive is not only tailored to you, but also compliant, transparent, and accountable under Australian law.