FINANCIAL SERVICES GUIDE
The financial services referred to in this financial services guide (FSG) are offered by Complete Super Solutions
(CSS) Pty Ltd and is issued with the authority of the licence holder Financial Affairs Pty Ltd (AFSL No. 222154
issued by ASIC). Complete Super Solutions is a Corporate Authorised Representative of Financial Affairs Pty
Ltd. Key information is set out in answer to the questions below. If you need more information or clarification, please ask us.
Complete Super Solutions Pty Ltd contact details are:
Address:58 Tope Street, South Melbourne Vic 3205
Phone: 03 9584 5999
Email; support@completesupersolutions.com
Web www.completesupersolutions.com
PURPOSE OF THIS FINANCIAL SERVICES GUIDE
The purpose of this financial services guide is to describe the services available to you.
It is designed to assist you in deciding whether to use any of the financial services offered by us, as described in this FSG. We are required to give you an FSG if we provide certain financial services to you and you are a retail client. Financial Affairs authorises the distribution of this FSG.
This FSG contains important information about:
• the services we offer you
• how we and others are paid
• any potential conflict of interest we may have
• our internal and external dispute resolution procedures and how you can access them
• arrangements we have in place to compensate clients for losses.
ARE THERE ANY OTHER DOCUMENTS THAT YOU WILL RECEIVE?
Will you receive a statement of advice?
A person who provides a retail client with personal advice (that is advice that takes into account the client’s objectives, financial situation and needs) must give the client a statement of advice (SOA). We do not provide personal advice to retail clients. Accordingly, you should not expect to receive an SOA from us.
Will you receive a product disclosure statement?
Before you acquire our recommended product you should be provided with a product disclosure statement
(PDS), which is designed to assist you to make an informed decision about the product. The statement will
contain information about the product and will usually include the costs and details of other fees and charges
which may apply, including (if applicable) any fees, commission or other benefits (collectively referred to as
Adviser Remuneration) payable to financial advisers.
BEFORE YOU GET OUR ADVICE
Who is my Adviser?
Financial Affairs holds an Australian Financial Services Licence No. 222154 and is responsible for the advice
provided by it representatives.
Authorised Representatives of Financial Affairs are listed below:
Brett Williams, Authorised Representative number: 224461
Complete Super Solutions Pty Ltd, Corporate Authorised Representative number: 345680
What advisory services are available to me?
We are authorised to provide financial product advice in Deposit and payment Products – Basic and Non-basic
Deposit Products.
When providing you with these advisory services, we act on your behalf. You will be provided with a Service
Agreement which outlines our services and conditions of delivering administration services.
Our Advisers can only provide advice on financial products included on the Financial Affairs “Approved Product
List.” The Approved Product List includes a large range of products for which the appropriate research and
analysis has been undertaken.
Our service includes set up Desktop broker and Macquarie online trading account as part of our new client set up process however no trading is done by CSS and no personal advice is provided.
Please be aware that Financial Affairs shall not be responsible where an Adviser provides any services to you
which are outside of their authorisation limits. You should therefore refer to the Adviser Profile and ask your Adviser to specifically confirm that the service or product does not fall within one of the above exclusions, prior to acting on any advice.
Associations and/or Benefits that may be relevant to you
Complete Super Solutions is not owned by any Fund Manager or Institution and there are no relationships that
will influence the advice that you receive.
What do we expect from you?
As a financial service provider, we have an obligation under the Anti-Money Laundering and Counter-Terrorism
Finance Act 2006 to verify your identity and the source of any funds. This means that we will ask you to present identification documents such as passports and driver’s licence. We will also retain copies of this information. We assure you that this information will be held securely.
How will I pay for the service?
Complete Super Solutions may receive commission on the deposit product recommended to you and is outlined
in the PDS provided at the time of recommendation e.g. currently on $100 000 deposit the commission we may
receive is 0.275% including GST which equates to $22.92 per month. This commission is at no cost to you and is
paid by the product provider. This commission is currently paid directly to and retained by Financial Affairs Pty Ltd.
You have a right to request further information in relation to the remuneration received by Financial Affairs Pty Ltd, Complete Super Solutions and its authorised representatives.
Can I tell you how I wish to instruct you?
Yes. You may specify how you would like to give us instructions. For example, by telephone, fax or other means. But in all cases we must receive a written confirmation of these instructions.
Professional Indemnity (PI) Insurance Cover
Complete Super Solutions confirms that it has arrangements in place to ensure it continues to maintain
Professional Indemnity Insurance in accordance with s912B of the Corporations Act 2001. In particular, our
Professional Indemnity insurance, subject to its terms and conditions, provides indemnity up to the Sum Insured for the licence holder, Financial Affairs Pty Ltd and our authorised representatives/ employees in respect of our authorisations and obligations under our Australian Financial Services Licence. This insurance will continue to provide such coverage for any authorised representative/employee who has ceased work with Financial Affairs Pty Ltd for work done whilst engaged with us.
What information do you maintain in my file and can I examine my file?
We maintain a record of your personal information and tax-related information. We also maintain records of any
recommendations made to you. You will have an online access to your documents through our electronic
document management system at any time.
We are committed to implementing and promoting a privacy policy, which will ensure the privacy and security of
your personal information. A copy of our privacy policy is enclosed for your information.
IF YOU HAVE ANY COMPLAINTS
Who can I speak to if I have a complaint about the advisory service?
Financial Affairs is a member of the Australian Financial Complaints Authority (AFCA) which replaced
the Financial Ombudsman Service (FOS) on 1st November 2018.
If you have a complaint regarding the provision of financial services to you, you should take the
following action:
Speak to your Adviser about your concerns, or
Contact us on 03 8586 9333 and ask to speak to our Responsible Manager.
If after speaking to your Adviser or our Responsible Manager, your complaint is not resolved within
fourteen (14) days, please put your complaint in writing and send it to us, addressed to:
Responsible Manager,
Financial Affairs Pty Ltd
445 Warrigal Road, Moorabbin, VIC, 3189
Whilst every endeavor will be made to resolve the matter promptly, if you are not satisfied with how
your complaint is dealt with, you can elect to refer the matter, free of charge, to the Australian
Financial Complaints Authority (AFCA). ACFA can be contacted on 1800 931 678, info@afc.org.au
and you can also write to them at:
Australian Financial Complaints Authority (AFAC),
GPO Box 3, Melbourne VIC 3001, www.afc.org.au
If your Adviser is a FPA member and your concerns involve your Adviser’s conduct, you may wish to
raise your concerns with the Financial Planning Association of Australia (FPA). You can write to them
at:
Financial Planning Association Limited, PO Box 109, Collins Street West, Melbourne VIC 8007.
Alternatively, other matters can be referred to the industry regulator, the Australian Securities and
Investments Commission (ASIC) on free-call 1300 300 630 or visit the website www.asic.gov.au