Financial Services Guide

The Purpose of This Guide

The Financial Services Guide (FSG) is an important document which we are required to give you under the requirements of our Australian Financial Services Licence. It provides you with information about PGW Financial Services Pty Ltd to help you decide whether to use the financial services we provide. This FSG explains the services we can offer to you and the types of products we offer. It also explains how we (and other related persons) are remunerated for these services and includes details of our internal and external complaints handling procedures. PGW Financial Services Pty Ltd authorises the distribution of this FSG.

Not Independent

PGW Financial Services Pty Ltd is not independent, impartial, or unbiased because although we will always put your interests before ours when giving advice, we may at times be remunerated by commission when helping clients arrange insurance and may act in or hold positions where a payment is received where you may be invested. We strongly believe this is the most appropriate remuneration model for many insurance clients, but a consequence is it then precludes us from calling ourselves independent.

PGW Financial Services Pty Ltd

My Adviser

JMP Strategic Investments Pty Ltd, Authorised Representative number CAR No. 414567, is a company associated with John Pontikas and is authorised by the Licensee to provide clerical and administrative services. Trade Profitably is a registered trading name of John Pontikas.

John Pontikas is authorised to provide General Financial Product advice in respect of the following classes of financial products:

• Deposit and Payment Products
• Life Products including life risk and life investment
• Interests in managed investment schemes including investor directed portfolio services
• Securities
• Superannuation

We will not provide advice on classes of financial products other than those identified above, nor provide advice on products that are not on PGW Financial Services Pty Ltd's Approved Products List.

The Advice Process

Will you receive a statement of advice?
I do not provide personal advice to retail clients. Accordingly, you should not expect to receive a Statement of Advice (SOA) from me.

Will you receive a general advice warning?
Where I provide general advice, I will also provide a general advice warning that the advice does not take into account your objectives, financial situation or needs. The general advice warning will be given in the same manner as the advice is provided.

How do we provide general advice?
Any advice provided by John Pontikas is limited to general financial product advice provided, for example, through educational course content, emails, newsletters, investor reports, and website material. This information generally relates to product features, managing risk and return, and investment and economic market overviews. I do not provide personal financial product advice to retail clients. Before making any investment decision, I recommend you obtain advice tailored to your individual objectives, financial situation, and needs from a licensed financial adviser who provides personal advice.

How Advisers Charge for Services

The cost of providing a financial product or service to you will depend on the nature and complexity of the advice, financial product and/or service provided. Your adviser may be remunerated through an initial adviser service fee, an ongoing adviser service fee, a contribution or implementation fee, commission payments from product providers where applicable, transaction fees, an hourly charge, or a combination of any of the above.

All fees or commissions initially paid to PGW Financial Services are distributed in full to your adviser or to the relevant business. PGW Financial Services Pty Ltd (ABN 15 123 835 441, AFSL 384713) generally receives a flat fee per annum per authorised representative for the provision of services required under its AFSL. Each authorised representative also pays a professional indemnity insurance fee.

What May Influence Your Advice

PGW Financial Services Pty Ltd may from time to time receive a benefit from preferred product providers by way of sponsorship of educational seminars, conferences, or training days. Details of benefits between $100.00 and $300.00 will be maintained on a register.

PGW Financial Services Pty Ltd has introduced a policy prohibiting the receipt of incentives such as overseas trips and conference tickets from product providers, to ensure recommendations are made in the client's best interests.

Complaints Resolution

If you have a complaint about the service provided to you, please contact your adviser in the first instance. If we cannot reach a satisfactory resolution, you may escalate to:

We will acknowledge receipt of your complaint within 24 hours and provide a response with reasons for our decision within 30 days. PGW Financial Services Pty Ltd maintains Professional Indemnity insurance in accordance with s.912B of the Corporations Act 2001, covering authorised representatives for a minimum of 7 years after ceasing the relationship.