Financial Services Guide

Licensee: 

Altitude Financial Advisers Pty Ltd

(AFSL 496178)

This Financial Services Guide (FSG) is authorised for distribution by Altitude Financial Advisers.

Authorised Representatives: 

Altitude Financial Planning Pty Ltd
(ASIC# 315026 ABN 63 124 787 471)
Adam Camac (ASIC# 426375)
Adam Hurwood (ASIC# 245993)
Brendan Stainer (ASIC# 1317728)
Brett Moxey (ASIC# 334010)
Jamie Eames (ASIC# 1301752)
Janik Hrabovcak (ASIC# 1239336)
Rebecca Faiers (ASIC# 1301741)
Samuel Romeo (ASIC# 1314673)
Brendan Stainer (ASIC#1317728)

Samuel Romeo is a Provisional Financial Adviser completing his professional year. He provides services under the supervision of Adam Hurwood.

Brendan Stainer is a Provisional Financial Adviser completing his professional year. He provides services under the supervision of Adam Hurwood.

Authorised Representatives act on behalf of Altitude Financial Advisers who is responsible for the services that they provide.

Contact Details

28 Vanessa Boulevard, Springwood, QLD, 4127

Purpose of this FSG

This FSG will help you decide whether to use the services that we* offer. It contains information about:

• The services we offer and their cost
• Any conflicts of interest which may impact the services
• How we are remunerated
• How we deal with complaints if you are not satisfied with our services.

* In this document ‘we’ refers to the Authorised Representatives set out above.

Our Services

We are authorised to provide advice and dealing services in the following areas:

• Superannuation
• Retirement planning
• Portfolio management
• Managed investments
• Securities (direct shares)
• Personal risk insurance
• Margin lending

Except Brendan Stainer and Janik Hrabovcak are not authorised to provide advice on margin lending.

The Financial Advice Process

We recognise that the objectives and personal circumstances of each client are different. Where we provide personal advice, we will listen to you to understand your objectives and
circumstances. We will also ask questions to make sure we provide advice which is in your best interests. When we first provide personal advice to you it will be explained thoroughly and documented in a Statement of Advice which you can take away and read.

The SoA will explain the basis for our advice, the main risks associated with the advice, the cost to you of implementing the advice, the benefits we receive and any conflicts of interest which may influence the advice. We will provide you with a Product Disclosure Statement for any products we recommend other than securities. This contains information to help you understand the product being recommended.

At all times you are able to contact us and ask questions about our advice and the products we recommend. You can provide instructions to us in writing, via phone or via email. In some cases, we may require you to provide signed instructions. We may provide further advice to you to keep your plan up to date for changes in your circumstances, changes in the law and changes in the economy and products. If we provide further advice, it will be documented in a Record of Advice which we retain on file. You can request a copy of the RoA document at any time up to 7 years after the advice is provided.

Fees

Initial Fee

The initial fee includes meeting with you, the time we take to determine our advice and the production of the SoA. It is based on the scope and complexity of advice provided to you. We will agree the fee with you before providing you with advice.

If you decide to proceed with our advice, we may charge an Implementation fee for the time we spend assisting you with implementation. We will let you know what the fee will be in the SoA.

Annual Fee

Our annual fee depends on the services that we provide to you. It may be a fee based on your portfolio balance or an agreed fixed fee.

The fee is paid monthly and will be set out in the client agreement we have with you.

Insurance Commissions

We receive a one-off upfront commission when you take out an insurance policy that we have recommended. We also receive a monthly commission payment for as long as you continue to hold the policy. The commission will vary depending on the recommended product and will be documented in the SoA or RoA.

Other Benefits

We may receive other benefits from product providers such as training, meals and entertainment. Details of any benefits received above $100 will be maintained on a register which is available to you on request.

Adviser Remuneration

Adam Hurwood and Brett Moxey are owners of the practice. They are paid a salary and share in the profits of the practice.

The employees of the practice are paid a salary. They may also receive a performance bonus depending on the financial success of the practice.

Associated Entities

We may refer you to the services provided by other entities in the Altitude group. This includes accounting, tax, business advisory and IT consulting services. The entities have common ownership.

Making a Complaint

We endeavour to provide you with the best advice and service at all times. If you are not satisfied with our services, then we encourage you to contact us. Please call us, send an email or put your complaint in writing to our office.

If you are not satisfied with our response, you can refer it to the Australian Financial Complaints Authority. You can contact AFCA on 1800 931 678 or via their website www.afca.org.au. AFCA provides fair and independent financial services complaint resolution which is free to consumers.

Altitude Financial Advisers holds Professional Indemnity insurance which satisfies the requirements for compensation arrangements under section 912B of the Corporations Act. It covers the financial services provided by current and past representatives.

Your Privacy

We are committed to protecting your privacy. We have a Privacy Policy which sets out how we collect, hold, use and disclose your personal information. Our Privacy Policy is available on request and on our website.

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