We walk all of our clients step-by-step through processes
And that starts right now with us sharing with you an excerpt of information from our Financial Services Guide (FSG).
What is an FSG?
The FSG is intended to inform you of certain basic matters relating to your relationship with our Authorised Representative and with us, prior to you being provided with an authorised financial service.
What information will I find in the FSG?
Subjects covered in this FSG include who we are, contact details for us and our Authorised Representative, how we and our Authorised Representatives are remunerated, what to do in the event of a complaint, and the method by which we engage our professional advice process.
It is intended that this FSG should assist you in determining whether to use any of the services described.
It is our duty to provide you with this document at the first available opportunity.
You can download and read the FSG simply by clicking this blue button.
Getting Started
- Who is your Adviser?
- Who is responsible for the advice given to you?
- What financial services are offered?
Your adviser is an Authorised Representative of Synchron. Details of your adviser and their remuneration are contained in the attached Adviser Profile.
Synchron is responsible for the financial services provided to you.
Synchron is the holder of an Australian Financial Services (AFS) Licence which allows us to provide financial product advice and deal in the following financial products:
- Deposit Products
- Non Basic Deposit Products
- Government debentures, stocks or bonds
- Life insurance investment products
- Life insurance risk products
- Managed Investments including Investor Directed Portfolio Services
- Managed Discretionary Accounts
- Retirement Saving Accounts
- Securities
- Standard Margin lending facilities
- Superannuation
The Adviser Profile page outlines the financial services that your adviser is authorised to provide on behalf of Synchron. Your adviser is also not able to provide advice on products that are not on Synchron’s Approved Product List or have not otherwise been approved by Synchron.
BEFORE RECEIVING ADVICE
- WILL WE PROVIDE YOU WITH ADVICE SUITABLE TO YOUR NEEDS AND FINANCIAL CIRCUMSTANCES?
- WHAT SHOULD YOU KNOW ABOUT THE RISKS OF THE FINANCIAL PRODUCTS OR STRATEGIES WE RECOMMEND TO YOU?
- WHAT INFORMATION DO WE MAINTAIN IN YOUR FILE AND CAN YOU EXAMINE YOUR FILE?
Yes. In order to provide quality advice you need to supply us with your individual objectives, financial situation and needs. You have the right not to divulge this information; if you do not wish to do so then we are required to warn you that before acting on the advice provided, you will need to consider the appropriateness of the advice with regards to your personal situation and needs.
You should ask your Authorised Representative about these consequences if you are not sure.
Our Authorised Representative will explain to you any significant risks of the financial products and strategies which are recommended to you.
Our Authorised Representative will maintain a record of your personal profile, which includes details of your objectives, financial situation, needs, copies of recommendations made to you and any products acquired by you.
If you wish to examine your file, we ask that you make a request in writing and allow up to fourteen (14) working days for the information to be forwarded. You may be charged a fee to cover the cost of verifying the application and locating, retrieving and copying any material requested. If the information sought is extensive, you will be advised of the likely cost in advance and we can help to refine your request if required.
Adviser Profile
- Who will be providing the financial services to me?
- Who is my adviser?
- What kinds of financial services are you authorised to provide me and what kinds of products do those services relate to?
Ritesh Prasad and Lumiere FP Pty Ltd atf Lumiere Unit Trust t/as Full Circle Financial Planning Services are Authorised Representative Nos 305696 and 469305 (respectively) acting under authority from Synchron.
Your adviser will be Ritesh Prasad and Full Circle Financial Planning Services who are both authorised to act on behalf of Synchron.
Ritesh has been involved in the financial services industry for approximately 10 years. His aim is to help individuals and families achieve their financial goals, by providing sound financial advice on insurance, investment, wealth accumulation and retirement planning.
He provides personalizedand expert advice suited to your objectives. He also believes that sound financial planning strategies are the key to improving your financial position.
Ritesh Prasad is Principal of Full Circle Financial Planning Services who are both authorised by Synchron to offer you the following services:
We will only recommend a product or strategy to you after considering its suitability for your individual situation and needs.
We do not provide advice in any other area of insurance or investments but can refer you to a professional who specialises in other areas if requested.
Any arrangements you make with the other professional will be strictly between you and that person and neither Synchron nor our Authorised Representative accept any responsibility or liability for the advice given.
- Provide financial product advice; and
- Deal in a financial product by arranging for a financial product to be acquired, disposed of, or varied.
In respect of the following financial products:
- Deposit and Payment Products
- Debentures , Stocks or Bonds issued by a Government
- Life Products, including:-
- Investment Life Insurance Products
- Life Risk Insurance Products
- Interests in Managed Investment Schemes (incl IDPS)
- Retirement Savings Account Products
- Superannuation
- Self Managed Superannuation Funds
- Standard Margin Lending Facility
We will only recommend a product or strategy to you after considering its suitability for your individual situation and needs.
We do not provide advice in any other area of insurance or investments but can refer you to a professional who specialises in other areas if requested.
Any arrangements you make with the other professional will be strictly between you and that person and neither Synchron nor our Authorised Representative accept any responsibility or liability for the advice given.
Full Circle Financial Planning Services
We know the value of a personalised financial strategy. We also know a financial strategy can be complex, difficult to keep up with compliance and hard to work through the maze of paperwork. So we take care of that for you.