Financial Services Guide

About This Financial Services Guide

This Financial Services Guide (FSG) is an important document designed to help you understand the financial services we offer and make informed decisions about whether to use our services.

This FSG provides information about:

• Who we are and how to contact us
• The financial services we are authorized to provide
• How we (and others) are remunerated for the services provided
• Details of any potential conflicts of interest
• Our internal and external dispute resolution procedures
• Arrangements we have in place to compensate clients for losses

1. About Gabcus Investment

Gabcus Investment is the holder of Australian Financial Services Licence (AFSL) 238189 and is authorized to provide financial product advice and dealing services to retail and wholesale clients.

2. Financial Services We Provide

We are authorized to provide the following financial services:

2.1 Financial Product Advice

• Personal financial advice tailored to your individual circumstances
• General advice on investment strategies and market conditions
• Portfolio construction and asset allocation advice
• Retirement planning and superannuation advice
• Estate planning considerations

2.2 Dealing Services

• Buying and selling securities on your behalf
• Applying for, acquiring, or disposing of financial products
• Arranging for financial products to be issued or acquired

2.3 Financial Products We Advise On

We are authorized to provide advice on the following classes of financial products:

• Securities: Shares, bonds, debentures, and other listed securities
• Managed Investment Schemes: Unit trusts, managed funds, and ETFs
• Derivatives: Options, futures, and other derivative products
• Government Bonds: Australian Government Securities and Treasury Bonds
• Corporate Bonds: Fixed income securities issued by corporations
• Digital Assets: Cryptocurrency and blockchain-based assets (where available)
• Superannuation: Self-managed super funds (SMSFs) and retail super products

3. How We Provide Financial Advice

3.1 Personal Advice Process

When providing personal financial advice, we follow a structured process:

3.2 General Advice

General advice does not take into account your personal circumstances. When we provide general advice:

• We will clearly identify it as general advice
• We will warn you that it may not be appropriate for your circumstances
• We will recommend you seek personal advice before making investment decisions

4. Fees and Remuneration

We believe in transparency regarding how we are paid for our services. Our fees are disclosed upfront and may include:

4.1 Advisory Fees

Service Type	Fee Structure	Typical Range
Initial Financial Planning	Fixed fee or hourly rate	$2,000 - $7,500
Portfolio Management	Annual % of assets under management	0.50% - 1.50% p.a.
Ongoing Advisory	Annual retainer or % of portfolio	$1,200 - $6,000 p.a.
Ad Hoc Advice	Hourly rate	$250 - $450 per hour

4.2 Transaction Fees

• Australian Equities: $9.95 per trade or 0.10% of trade value (minimum $9.95)
• International Equities: $19.95 per trade or 0.20% of trade value (minimum $19.95)
• Fixed Income Securities: 0.10% - 0.25% of transaction value
• Digital Assets: 1.00% of transaction value

4.3 Ongoing Service Fees

• Standard Account: No monthly fee (transaction fees apply)
• Premium Account: $25/month (waived for balances over $100,000)
• Private Wealth Account: Custom fee structure based on services

4.4 Third-Party Payments

In some cases, we may receive commissions or payments from product providers. These include:

• Initial commissions: 0% - 2% of the investment amount
• Trailing commissions: 0% - 0.5% p.a. of the investment value
• Volume-based rebates from platform providers

Important: Any third-party payments we receive will be fully disclosed in your Statement of Advice.

4.5 Fee Offsets

Where we receive commissions or third-party payments, we may offset these against our advisory fees to ensure you are not charged twice for the same service.

5. Remuneration of Our Representatives

Our financial advisors may be remunerated through:

• Salary and performance bonuses
• A percentage of revenue generated (typically 30% - 60%)
• Professional development incentives

Our advisors do not receive higher remuneration for recommending specific products. Their incentives are based on client satisfaction and adherence to compliance standards.

6. Associations and Relationships

6.1 Related Parties

Gabcus Investment has relationships with the following related entities:

• Gabcus Wealth Management Pty Ltd (wealth advisory services)
• Gabcus Asset Management Pty Ltd (fund management)

6.2 Referral Arrangements

We may pay or receive referral fees to/from:

• Accountants and tax advisors
• Mortgage brokers
• Legal professionals
• Insurance advisors

Referral fees typically range from $250 to $1,500 per referral. These arrangements will be disclosed in writing if they apply to your situation.

7. Conflicts of Interest

We have policies and procedures to identify and manage conflicts of interest. Potential conflicts include:

• Receiving commissions from product providers
• Relationships with related entities
• Ownership interests in investment products
• Incentives from platform providers

We manage conflicts by:

• Maintaining a conflicts of interest register
• Disclosing all material conflicts to clients
• Prioritizing client interests over our own
• Regular compliance monitoring and audits

8. Professional Indemnity Insurance

We maintain professional indemnity insurance that covers our business and representatives for claims relating to the financial services we provide. This insurance:

• Covers us for claims made after representatives cease working with us (subject to policy terms)
• Satisfies the requirements of section 912B of the Corporations Act 2001
• Is reviewed annually to ensure adequate coverage

9. Privacy and Personal Information

We collect and handle your personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy. Your information is used to:

• Provide financial services and advice
• Comply with legal and regulatory requirements
• Communicate with you about your investments
• Improve our services

You can access or correct your personal information by contacting us.

10. Complaints and Dispute Resolution

10.1 Internal Dispute Resolution

If you have a complaint about our services, please contact us:

We will:

• Acknowledge your complaint within 24 hours (or 1 business day)
• Investigate your complaint thoroughly
• Provide a written response within 30 days

10.2 External Dispute Resolution

If you are not satisfied with our response, you can escalate your complaint to the Australian Financial Complaints Authority (AFCA):

AFCA provides fair and independent financial services complaint resolution that is free to consumers. Time limits may apply to lodge a complaint with AFCA.

11. Product Disclosure Statements

Before making any investment decision, you should carefully read the Product Disclosure Statement (PDS) for the relevant financial product. A PDS contains important information about:

• The features, benefits, and risks of the product
• Fees and charges associated with the product
• Cooling-off rights and withdrawal options
• Tax implications
• How to make a complaint

We will provide you with a PDS before issuing any recommendation to acquire a financial product.

12. Your Responsibilities

To enable us to provide appropriate advice, you should:

• Provide complete and accurate information about your financial situation
• Inform us of any changes to your circumstances
• Read and understand all documents we provide
• Ask questions if anything is unclear
• Carefully consider our advice before making decisions
• Review your investments regularly

13. Important Information About Investing

14. Consent and Agreement

By engaging our services, you:

• Acknowledge that you have received and read this FSG
• Understand the services we provide and how we are remunerated
• Agree to provide us with complete and accurate information
• Consent to us collecting and using your personal information as described