Matt Tarrant and Ever Wealth Co Pty Ltd (ABN 70 739 812 948) are Authorised Representatives of Ever Wealth Group Pty Ltd (AFSL 700377) (ABN 89 697 801 871).
Office 4, 2/14 Kenji Street, Mornington VIC 3931 | matt@everwealthco.com.au | 0403 995 444
Licensee: Ever Wealth Group Pty Ltd (AFSL# 700377) ACN: 697 801 871. This FSG is authorised for distribution by Ever Wealth Group Pty Ltd.
Authorised Representatives: Ever Wealth Co Pty Ltd (ASIC# 1322189, ACN# 697 538 891) | Matthew Tarrant (ASIC# 1293302).
The Authorised Representatives act on behalf of Ever Wealth Group who is responsible for the services that they provide.
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.
Not Independent
When we recommend a risk policy we may be paid a commission by the product provider. Our advice on risk insurance is therefore not independent, impartial or unbiased. In all other cases, we charge a fee for our advice services and do not receive commissions or other payments from product providers.
Our Services
We are authorised to provide personal advice, general advice and dealing services in the following areas:
- Superannuation
- Retirement planning
- Portfolio management
- Managed investments
- Securities
- Personal risk insurance
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 (SoA) which will be made available to you electronically so that you have time to read it before making your decision. 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 (PDS) where we recommend a financial product 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 (RoA) 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 Advice Fees
Our initial advice fees include meeting with you, the time we take to determine our advice and the production of the SoA. They will be 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 Advice Fees
Our annual fees depend on the services that we provide to you and will be an agreed fixed fee. They are paid monthly. Our services and fees will be set out in an agreement 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
Matthew Tarrant is the owner of the practice, and is remunerated through a salary and the profits that the practice makes.
Making a Complaint
Contact Us First
We endeavour to provide you with the best advice and service at all times. If you are not satisfied with our services, we encourage you to contact us. Please call us, send us an email or put your complaint in writing to our office.
Email: matt@everwealthco.com.au | Phone: 0403 995 444 | Mail: Office 4, 2/14 Kenji Street, Mornington VIC 3931
Australian Financial Complaints Authority (AFCA)
If you are not satisfied with our response, you can lodge a complaint with the Australian Financial Complaints Authority. AFCA provides fair and independent financial services complaint resolution which is free to consumers.
Phone: 1800 931 678 | Website: www.afca.org.au
Professional Indemnity Insurance
Ever Wealth Group Pty Ltd 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. It also sets out how you can access the information we hold about you, how to have it corrected and how to complain where you are not satisfied with how we have handled your personal information.
Our Privacy Policy is available on request and on our website: everwealthco.com.au/privacy.
Contact Us
Matt Tarrant — Ever Wealth Co Pty Ltd (ABN 70 739 812 948)
Authorised Representative of Ever Wealth Group Pty Ltd (AFSL 700377)
Email: matt@everwealthco.com.au | Phone: 0403 995 444
Office 4, 2/14 Kenji Street, Mornington VIC 3931