Financial Services Guide

Purpose of This Guide

This Financial Services Guide (FSG) is designed to help you decide whether to use the financial services offered by Culsans Pty Ltd. It explains:

• Who we are and how to contact us
• The financial services we are authorised to provide
• How we and our representatives are paid
• Any relationships or associations that might influence our advice
• How we handle complaints and how you can access external dispute resolution

Please keep this FSG for your records. If you receive personal advice from us, you will also receive a Statement of Advice (SOA). If we recommend a financial product, you will be given the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD).

About Culsans

Culsans Pty Ltd
ACN 677 791 543
Australian Financial Services Licence (AFSL) 561419

Culsans is an Australian wealth management firm based in Sydney. We hold an Australian Financial Services Licence issued by the Australian Securities and Investments Commission (ASIC) and are responsible for the financial services provided under it. We are authorised to provide the following financial services to retail and wholesale clients:

• General financial product advice
• Personal financial product advice
• Dealing in financial products

for the following classes of financial products:

• Deposit products (including term deposits and cash accounts)
• Debentures, stocks and bonds issued or proposed to be issued by a government
• Securities (including shares and corporate bonds)
• Interests in managed investment schemes
• Superannuation, including self-managed superannuation funds

Our Services

Culsans offers:

• Wealth management and personal financial advice
• Managed funds
• Term deposits and cash deposits with Australian authorised deposit-taking institutions (ADIs)
• Fixed income and corporate bonds
• Pre-IPO allocations (for wholesale and sophisticated investors only)
• Retirement income and superannuation strategy

How We Are Paid

We may receive remuneration in the following ways:

Service	Fee Type	Amount
Initial Consultation	Nil	Free
Personal Advice	Fixed fee or % of funds invested	Disclosed in your SOA
Investment Management	Annual percentage	0.5% – 1.5% p.a.
Transaction Fees	Per transaction	Disclosed per product

All fees are quoted in Australian dollars and include GST where applicable. The fees that apply to you will be set out in your Statement of Advice before you proceed with any recommendation. Details of any other benefits we or our representatives receive will also be disclosed in your Statement of Advice.

Conflicts of Interest

Culsans maintains a Conflicts of Interest Policy to identify, manage and, where possible, avoid conflicts that may arise. Any relationship or association that could reasonably influence our advice will be disclosed in your Statement of Advice.

Your Privacy

We handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Please read our Privacy Policy for details on how we collect, use and protect your personal information.

Complaints

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

Complaints Officer
Culsans Pty Ltd
Email: [email protected]
Phone: (02) 5550 1234

We will acknowledge your complaint within one business day and aim to resolve it within 30 calendar days. If you are not satisfied with our response, or we have not resolved your complaint within 30 days, you can contact the Australian Financial Complaints Authority (AFCA), a free and independent external dispute resolution scheme:

Australian Financial Complaints Authority (AFCA)
Online: www.afca.org.au
Phone: 1800 931 678 (free call)
Email: [email protected]

Compensation Arrangements

Culsans holds professional indemnity insurance that satisfies the requirements of section 912B of the Corporations Act 2001 for compensation arrangements. This insurance covers claims arising from the conduct of our current and former representatives.

Contact Us

Culsans Pty Ltd
Level 3, 2 Bulletin Place, Sydney NSW 2000
Phone: (02) 5550 1234
Email: [email protected]
Website: www.culsans.com.au