FINANCIAL
SERVICES
GUIDE

PART ONE
GENERAL DETAILS

Financial Services Guide – Part 1

Bridging the gap
Based on the research we have conducted, we will recommend a strategy to bridge the gap between where you are now and where you want to be.

Bringing your plan to life
We work closely with you to implement your financial plan. We help you to complete any necessary paperwork and are available to liaise with your accountant, solicitor and general insurer so that your strategy is implemented efficiently.
Staying    On track   with   regular ongoing advice
Time goes on and circumstances and needs change. The final step in our advice process ensures your financial plan remains on track, by providing you with regular ongoing advice. We design an ongoing service arrangement   to ensure your plan remains up to date as your life changes so you can obtain the benefits of ongoing reliable advice.
Sometimes, life takes us in unplanned directions. When you need a little extra help on top of our initial or ongoing advice, just ask us to provide you with some additional advice. We are there to help you – whatever the occasion.
Advice Crown can provide
Crown maintains an approved product list containing financial products that have been researched by a number of external research houses and assessed by Crown’s Investment Committee. A copy of the approved product list can be given to you if requested. We may recommend products and platforms promoted or issued by our product partners if appropriate to your needs. Please refer to your adviser’s profile for a list of strategies  and products they can recommend.

Your financial security will play an important role in the quality of life experienced by you and your family in the years to come. Crown Wealth Group Pty Ltd - ABN: 22 603 037 510, (Crown), is an Australian Financial Services Licensee (AFSL) and our role is to provide the advice, services, products and carefully
planned strategies to meet your wealth creation goals and family protection needs.
Before we provide you with financial advice, you should read this Financial Services Guide (FSG). It contains the following important information to help you decide whether to use our services:
•	Who we are;
•	Initial and ongoing advice we provide;
•	How we are paid;
•	Who to contact if you have a complaint.
This document is Part One of the Financial Services Guide and is only complete when Part Two - the Adviser Profile - is attached.

Authorised Representative Profile – Part Two
Your financial adviser is the Authorised Representative listed in Part Two of this FSG. Crown’s financial advisers act for you and not for any life insurance company, fund manager or bank.
Part Two of this FSG provides detailed information about your financial adviser such as their contact details and the types of financial products and services they can advise and deal   in. Please retain both Part One and Part Two of the FSG for your reference and any future dealings with Crown and your financial adviser.
About Crown Wealth Group “Crown”
Crown  is  the  holder of  AFSL No: 494274. Under the Corporations Act and our licensing obligations regulated by the Australian Security & Investment
Commission (ASIC), our primary responsibility is to you, our client. Our Authorised  Representatives act on our behalf and Crown is responsible for the advice they provide.

Crown Wealth Group Pty Ltd is a registered Tax (Financial) Adviser of the Tax Practitioner Board, as is all our authorised representatives. 
Crown has approved the distribution of this FSG.
Why       you     should  choose  Crown 
We aim to provide personalized and responsible advice suited to your objectives and believe that sound advice and planning is the key to improving your financial position.
We undertake continuous professional development and undertake training programs so we are up to date with legislative changes to superannuation, investment, social security and tax environments. 
We have access to technical, risk and investment research professionals who provide us with additional analysis on strategies and products that become available as a result of these changes.
Our financial advisers will help you determine your goals and weigh up different investment strategies to achieve them.
Most importantly, we turn your thoughts into action. There are no secret formulas  to achieving  financial security. We work with you to get the basics right and ensure you have a plan to achieve your goals over time.

Crown’s financial process
Everyone has different circumstances, needs and goals. We treat every client as an individual, but follow a defined financial planning process, to make sure you know what to expect from us.
Identifying where you want to be considering opportunities and risks
We help you identify your financial and lifestyle goals and explain the services we offer to help you achieve them. The type of advice you need could depend on your life stage, the amount of money you want to invest and the complexity of your affairs.
We will help you to identify the range of issues that need to be addressed to meet your goals. You can then decide whether you want our advice to meet a single need or broad range of issues.
Considering opportunities and risks 
Good personal advice starts with understanding your current situation. We take a close look at your current financial situation–assets, debts, income, expenses and insurance, and explore the options you could use to reach your goals.

A guide to the services we provide and how we will work with you.

Contact details:
Crown Wealth Group
Tel: 1300 722174
Email: compliance@crownwealthgroup.com.au
Web: www.crownwealthgroup.com.au

Both Crown and your financial adviser maintain a Register to document benefits received. A copy of this register will be made available within seven days of a request.
Privacy
Your     privacy  is  important   to us. To     llearn  more about our collection and handling of your personal information and for details on how to access our Privacy Policy please refer to the Appendix to this FSG.
Another financial adviser may be appointed to you if your adviser leaves or is unable to  attend   to your  needs due to an extended absence from the business. In these circumstances, we will write to you advising you of the change. Your personal   information will be passed on to the new adviser.
If you choose to appoint a new financial adviser, your new adviser will be provided access to your policy information. They will be responsible for providing you with ongoing advice relating to those  policies  and  all future  advice  fees  deducted  from  the policies  will be paid to your new   adviser.
Professional Indemnity Insurance 
Professional indemnity insurance is maintained by Crown and your financial 
adviser to cover advice, actions and recommendations which have been authorised by Crown and provided 
by your financial adviser.
The insurance satisfies the requirements imposed by the Corporations Act 2001 and financial services regulations.
What should you do if you have a complaint?
If you have any complaints about the services provided to you, you should take the following steps:
Contact your financial adviser and tell them about your complaint.
If  your  complaint  is not satisfactorily  resolved within three  business  days, please  contact  Crown on 1300722174 or put your complaint in writing and send it  to: Crown Wealth Group, PO Box 224, WARNERS BAY, NSW 2282, 
Crown will try to resolve your complaint quickly and fairly. If your complaint has not been resolved satisfactorily, you may escalate your complaints to: 
1.	Australian Financial Complaints Authority on 1800 931 678
2.	Personal information held - refer complaint to the 
Privacy Commissioner on 1300 363 992
Australian Securities and Investments Commission (ASIC) may be contacted on 1300 300 630 for   further information.

Advice implementation – The advice implementation fee covers the administrative time spent implementing the recommended strategies and products and are based on a set dollar amount. The advice implementation fee will be disclosed in your Initial Advice Agreement and / or your SOA.
Ongoing advice – The  ongoing  advice fee covers the cost to review the strategies and the products recommended in your SOA. An ongoing review helps you take advantage of opportunities as they become available. The fee for the ongoing advice fee service is calculated as either a set dollar amount or a percentage of your investments.
Before providing you with ongoing advice your adviser will prepare an Ongoing Advice Agreement. This agreement will set out what our ongoing advice will cover, including the advice and services we will provide, as well as frequency these will be delivered, how much it will cost, your payment method and how the service can be terminated. In addition, the ongoing advice fee will be disclosed in your SOA.
Additional advice – For all other advice, an additional advice fee may be charged based on a set dollar amount. Any additional advice fee will be disclosed in your SOA.
Commission – Please note that for services in relation to insurance and business/corporate superannuation, commissions will be paid from the insurance
product providers to cover both our initial advice and the ongoing commissions for the renewal of your insurance products.

Payment method & frequency
We offer you the following payment terms:
•	Direct debit (credit card or savings), cheque via your Bank
•	Deduction from your investment
•	Ongoing advice fees may be deducted as an annual instalment or in monthly or quarterly instalments.
•	Ongoing advice fees may increase each year. The specific amount will be   agreed to   by you and outlined in our ongoing advice agreement.

Other benefits   Crown   may receive
•	From time to time, Crown may receive Education, Training and/or IT Software and Support benefits from our product partners.
•	Payments from other professionals: You may be referred to an external specialist to receive further advice. We may receive a referral   fee for introducing you to the specialist. This will be disclosed in your financial plan if applicable.
Payments to other professionals: We may pay a referral fee when clients are referred to us from other professionals. This will be disclosed in your financial plan if applicable

Documents you may receive
Our initial advice will be provided to you in a financial plan, known as a Statement of Advice (SOA). The financial plan contains a summary of your goals and our advice to help you achieve them. We will keep a record of any further advice we provide you for seven years. You may request a copy by contacting our office.
You will also receive a Product Disclosure Statement (PDS) if we have recommended you invest in or purchase a financial product. The PDS contains key features of the recommended product, significant benefits, risks and the fees you pay the product provider to professionally manage your investment or insurance.
You should read any warnings contained in your financial plan or the PDS carefully before making any decision relating to a financial strategy or product. You can contact your adviser directly with any instructions relating to your financial products
How you can provide instructions
You may specify how you would like to give us instructions. You can give us instructions or information verbally or in writing. In some situation   we will require your   instructions   to be in writing. We will advise you what information we need or what documentation we need you to complete and sign.
Advice fees
All   fees will be paid   directly   to Crown   as   the Licensee, on  the Authorised Representative’s behalf. Crown will pay your financial adviser in accordance  with  their  Authorised Representative Agreement with Crown.
The fees charged for our advice services may be based on one or a combination of:
•	A set dollar amount; or
•	A percentage of the funds that you invest.
•	Brokerage or commission which is paid by a product issuer.
Our advice fees may include charges for the following advice services:
Initial advice – The initial advice fee covers the cost of researching and preparing your financial plan and is based on a set dollar amount. Before providing you with initial advice we will prepare an Initial Advice
Agreement. The Initial Advice Agreement sets out what our initial advice will cover and how much it will cost you.
In addition, the  initial  advice  fee  will  be disclosed in your SOA.

Privacy Collection Statement
Appendix to FSG 4.1, Issue Date: 1 November 2018

Your financial adviser and Crown will continue to take reasonable steps to protect your information from misuse, loss, and unauthorised access, modification or improper disclosure. You can request  access to the information  your  adviser or Crown  holds  about  you  at any  time to correct or update  it   as  set out in  the  Crown Privacy Policy.
To  raise  any  concerns  you  might t have  in relation to your privacy, please refer to page 2 of your FSG
“What  should  you  do  if  you  have  a  Complaint?” and Crown’s Privacy Policy. You can request a copy of Crown’s Privacy  Policy  from your  adviser  or Crown  at any time.

We keep your personal information confidential and only use only use it in accordance with our Privacy Policy. Some of the ways we may use this information are set out below:
•	Your financial adviser and Crown may have access to this information when providing financial advice or services to you;
•	Your financial adviser may, in the future, disclose information to other financial advisers, brokers and those who are authorised by Crown to review customers' needs and circumstances from time to time;
•	Your information may be disclosed to external service suppliers who supply administrative, financial or other services to assist your adviser and Crown in providing financial advice and services to you. Crown does not disclose personal information to recipients in foreign countries.
•	Your information may be used to provide ongoing information about opportunities that may be useful or relevant to your financial  needs  through  direct marketing (subject  to  your ability  to opt-out  as  set out  in the Crown Privacy Policy);
•	Your information may be disclosed as  required or authorised by  law  and  to  anyone    authorised  by you.

As part of the financial planning process, we need to  collect  information  about  you. Where  possible we will obtain that information  directly  from you, but if authorized  by  you  we  may  also  obtain  it  from other sources  such as your employer or accountant. If that information is incomplete or inaccurate, this could affect our ability to fully or properly analyse your needs, objectives and financial situation, so our recommendations may not be completely appropriate or suitable for you.
We are also required under the Anti-Money- Laundering and Counter-Terrorism Financing Act (AML/CTF) 2006 to implement client identification processes. We  will  need  you  to  present  identification documents such as passports and driver’s licences in order to meet our obligations.