Aureus logo 2018

FINANCIAL
SERVICES GUIDE

Issued 1 July 2021 Version 04.21

Aureus Wealth Advisers Pty Ltd T/A Aureus Financial

ABN: 26 622 501 455
ASIC Corporate AR Number: 001259968
Suite 114/ 117 Old Pittwater Rd, Brookvale
NSW 2100 Level 8/ 261 George St, Sydney NSW 2000

T: 1300 763 894
contact@aureusfinancial.com.au
www.aureusfinancial.com.au

This Financial Services Guide (‘FSG’) was prepared on 1 July 2021 and should be read with the Adviser Profile document. The FSG is not complete without it.

What is a Financial Services Guide?

This Financial Services Guide (‘FSG’) helps you understand and decide if you wish to use the financial services that we are able to offer you.

It provides you with information about the entities that may provide you with financial services:

  • Axies Pty Ltd trading as Spark Advisors, the “Licensee”
  • the Licensee’s Corporate Authorised Representative, Aureus Wealth Advisers Pty Ltd trading as AureusFinancial (“Aureus Financial”); and
  • individual Authorised Representatives of the Licensee.

We collectively refer to Authorised Representative(s) in this FSG as “us, our, we”. We are the providing entity and are the authorised representative(s) of the licensee. Our authorised representative number is 001259968.

This FSG sets out the services we provide. It tells you:

  • who we are and how we can be contacted;
  • who the Licensee is and how it can be contacted;
  • what services and products we are authorised to provide to you;
  • how we (and any other relevant parties) are paid; and
  • how we deal with complaints.

Not Independent

We are not able to describe ourselves as being independent, impartial or unbiased because:

  • We receive commission on life insurance products as explained in this FSG under the heading ‘How we arepaid’.
  • We have an approved product list which limits the range of products we can recommend when providing advice to you; and
  • Our Licensee is a wholly owned subsidiary of Spark Partnership Group Holdings Pty Ltd (‘Spark Partnership Group’). Aura Group Pty Ltd, a shareholder in Spark Partnership Group, wholly owns Aura Funds Management Pty Ltd (‘AFM’) and is a provider of wholesale managed funds which may be included in our Approved Product List.

Other documents you may receive

We may provide you with personal advice that takes into account your needs, financial situation and circumstances. Where we provide you with personal advice, we will provide you with a Statement of Advice (’SOA’). The SOA outlines our advice and the basis on which the advice was given. It also outlines relevant information about us, our fees and charges associated with our advice. We are only able to provide personal advice about certain products as stipulated under the Licensee’s Australian Financial Services Licence (‘AFSL’).

If we provide further personal advice after providing our initial advice, we may record this in a Record of Advice(‘ROA’), instead of a SOA. You may request a record of the further advice that is provided to you, if you haven’t already been provided with it. You can also contact us, using the details at the start of this FSG, within 7 years from when the advice is provided to request this record.

Occasionally we provide general advice. This is where we may express an opinion or recommendation influencing you in making a decision in relation to a financial product, but where we HAVE NOT considered your personal objectives, financial situation or needs. If we provide you with general advice, we will provide you with a warning that the advice may not be appropriate to your needs, financial situation or objectives. Additionally, we will provide you with an applicable Product Disclosure Statement (’PDS’) (if one is available) which you should read before making a decision that the product is right for you.

When a financial product is recommended to you, you will be provided with a PDS issued by the product provider. The PDS contains information about the product to assist you in making an informed decision about the financial product. It will outline relevant terms, significant risks, and fees and charges associated with the product.

Please retain this FSG for your reference and any future dealings with us. We may also add documents at a later date which will also form part of this FSG, and these should be read together with the FSG. These documents will include the word ‘FSG’ in the heading.

Who will be providing the financial services to you?

The Licensee

The Licensee is the authorising licensee for the financial services provided to you and is responsible for those services.

The Licensee authorises, and is also responsible for, the content and distribution of this FSG.

The Licensee’s contact details are as follows:

Licensee name:   Axies Pty Ltd trading as Spark Advisors (“Spark Advisors”)
AFSL number:     339384
Address: 1          Cochrane Street, Brighton VIC 3186
Website:              www.sparkfg.com.au
Phone:                 1300 974 947
Email:                   compliance@sparkfg.com.au

We are the providing entity and are providing the financial services to you in our capacity as an Authorised Representative of the Licensee.

The Licensee’s Authorised Representatives who may provide services to you are listed below.

Authorised Representative details

Practice Name:    Aureus Wealth Advisers Pty Ltd T/A Aureus Financial
Authorised Representative No. 001259968
Address:               Suite 114/ 117 Old Pittwater Road, Brookvale NSW 2100
Level 8/ 261 George Street, Sydney NSW 2000

Website:                www.aureusfinancial.com.au
Phone:                    1300 763 894

The individual authorised representatives are:

Financial Adviser: Jackson Millan
AR number: 000344212
Email: jackson.millan@aureusfinancial.com.au

Financial Adviser: Salvatore Miceli
AR number: 001261904
Email: sal.miceli@aureusfinancial.com.au

Financial Adviser: Adrian Lenting
AR number: 001257639
Email: adrian.lenting@aureusfinancial.com.au

The authorised representatives named above share the same office as the practice.

You can provide instructions to us by contacting us using the contact details above.

The Licensee and the Authorised Representatives listed in this FSG act on your behalf when we provide financial services to you.

What services and products are we authorised to provide to you?

We are authorised to provide financial product advice and deal in the following financial products to retail clients:

  • deposit and payment products
  • debentures, stocks and bonds
  • life products including investment life insurance and life risk insurance
  • managed investments (including investor directed portfolio services (IDPS))
  • retirement savings accounts (RSA) and
  • superannuation (excluding self-managed superannuation funds)

Our financial advisers may also be authorised to provide financial product advice and deal in the following financial products to both retail and wholesale clients on an individual basis:

  • securities and
  • self-managed superannuation funds

Specific information about the services your financial adviser is authorised to provide, and their qualifications are contained in the Adviser Profile.

There is an important difference between ‘general advice’ and ‘personal advice’. If we provide you with ‘general advice’ it means that we have not considered any of your individual objectives, financial situation and needs.

If we provide you with ‘personal advice’ we will consider your individual objectives, financial situation and needs when making our recommendation to you.

We will only provide services to you, with your prior, informed consent. If you do not understand any of the information in this FSG, or have any other questions relating to the terms on which we will be acting, please contact us.

In providing our services, other financial matters may arise, however, we are not authorised to assist with any financial and product services except those explained above. You should seek specific advice from the appropriate professionals on other matters relevant to you.

What fees and commissions are payable to us?

As the Licensee, Spark Advisors collects all fees and commissions which are then paid to our practice for providing you with our services. Spark Advisors receives a licensing fee from our practice, which is in part based on remuneration paid to your adviser’s practice. We will discuss and agree our fee structure and payment options with you before we provide you with services. The types of fees you can be charged are listed below. You may be charged a combination, or part of, any of these fees. All fees described in this FSG include GST.

Initial Advice Fees

We may charge fees for the preparation, presentation and implementation of our advice. These fees will be based on your individual circumstances, the complexity involved in your situation, and the time it takes to prepare personal financial advice for you and are paid when you have agreed to receive our advice.

Our charges range from $2,200.00 to $16,500. Our charge for a no advice service will be subject to a minimum fee of $330 per hour.

We will discuss these fees with you and gain your agreement to the fees before we provide you with advice. These fees will also be provided within your SOA.

Ongoing Advice Fees

We offer ongoing advice services as part of our client value proposition. Our going advice service fees are indexed to CPI and listed below.

The range consists of:

  • Foundations Package: Our base level package covering Personal Financial Foundations, alongside expertadvice, coaching and support. The cost of this service is $450 per month.
  • Freedom Package: Our premium level package covering both Personal and Business Financial Foundations, alongside expert advice, coaching and support. Tailored specifically for Small- Medium Business Owners. The cost of this service is $825 per month.

Please note: At your annual review, if there are any further advice requirements that need to be documented, your financial adviser will provide a quote for you to approve prior to proceeding.

Your tailored ongoing service package will be discussed and agreed with you based on your individual needs and goals. The cost of these services will be provided and explained to you in detail by your Financial Adviser and detailed in your initial SOA.

Consultation Fee

For any other service you require that are not specified above, our hourly rates vary from $330.00 to $550.00 per hour depending on the level of expertise of your financial adviser.

Commissions

Life Insurance Products

Initial and ongoing commissions from insurance providers may be received by Spark Advisors. These commission sare paid to Spark Advisors by the company that issues the product that we recommend to you, and they are included in what you pay for the product. The commissions vary and are based on the policy cost, which is the sum of the premiums you pay and may include other fees related to the product.

The initial commission is paid in the first year by the product issuer. Ongoing commissions are payments paid byproduct issuers in the years after the first year. These commissions are passed onto the practice.

If you initiate an increase to your cover, Spark Advisors may receive an initial commission and ongoing commissions on the increase to your policy cost. The ongoing commission on a client-initiated increase is only paid in respect ofthe period that starts from the first anniversary of the increase.

If the initial commission is equal to the ongoing commissions (as a percentage of your policy cost), Spark Advisors may receive up to 30% (excl. GST) of your annual policy cost. If the initial commission is higher than the ongoing commissions, the maximum commission that Spark Advisors may receive is set out in the table below:

 

Date a new product is issued Initial commission (% of
annual policy cost or
increase excl. GST)
Ongoing commission pa
(% of annual policy cost or
increase excl. GST)
Before 1 January 2018 or before 1 April 2018 when the
application was received prior to 1 January 2018
0 – 140% 0 – 38.5%
1 January 2018 – 31 December 2018* 0 – 80% 0 – 20%
1 January 2019 – 31 December 2019* 0 – 70% 0 – 20%
From 1 January 2020* 0 – 60% 0 – 20%

* Spark Advisors may receive the pre 1 January 2018 commission rates above from the product issuer if:

  • your policy was issued before 1 January 2018 and you exercise an option or apply for additional cover under your policy after 1 January 2018; or
  • your policy was issued before 1 January 2018 and is replaced after 1 January 2018 to correct an administrative error.

For example, for an insurance product applied for and issued on 2 February 2020 with an annual policy cost of $450,Spark Advisors would receive up to $270 (60% excl. GST) as an initial commission. Assuming the policy cost stays the same each year, Spark Advisors would receive up to $90 pa (20% excl. GST) as an ongoing commission.

You’ll find details of how your insurance policy cost is calculated in the relevant PDS that we provide you. Where personal advice is provided to you, you’ll also find details of the commission that Spark Advisors and we are entitled to receive, if you decide to purchase a life insurance product, in your SOA or ROA.

There will be a 100% clawback of commission where the life insurance policy is cancelled, not continued or the policy cost is reduced in the first year and 60% clawback of commission in the second year.

How are we and third parties remunerated?

Aureus Financial

Aureus Financial staff (and directors) are remunerated by salary that includes superannuation benefits. The amount of salary varies according to the staff member’s position within Aureus Financial. Our staff may also be eligible for bonus and incentive payments that is based on a number of factors, including performance, meeting customer service standards, and proper administration. In addition, staff may also be eligible for prizes such as gift vouchers ranging from $1-$50 as reward for exceptional all-round performance across a month, or $1-$500 as reward for exceptional all-round performance across a year. You may request further details of these prizes by contacting us.

Aureus Financial’s shareholders will also receive a benefit based on Aureus Financial’s ongoing company performance.

Spark Advisors

The Licensee’s directors and employees are remunerated by salary and may also be awarded an annual bonus. Bonuses will depend on several factors including company performance, professionalism and adherence to compliance procedures, and team performance.

The Licensee’s shareholders (including any shareholders of a related body corporate) will also receive a benefit based on the Licensee’s ongoing company performance.

Referrers

From 1 January 2020, [Shortened CAR name] and its financial advisers are not able to receive any referral payments from any service providers we may refer you to.

You may request more details about the way these people or entities are remunerated within a reasonable time after receiving this document and before any financial services are given to you. If remuneration or other benefits are calculable at the time personal advice is given, it will be disclosed at the time that personal advice is given, or as soon as practicable afterwards. If remuneration is not calculable at that time, a statement of how the remuneration is calculated will be given to you at the time the advice is given, or as soon as practicable afterwards.

By using or continuing to use our services, you agree that:

  1. All fees and charges received by us as described in this FSG (other than third party fees and charges) are a benefit given to us by you, in exchange for the services provided by us.
  2. We do not charge asset-based fees where you are investing using borrowed money.
  3. You understand, consent to, authorise and direct us to charge you in this way.

What arrangements may influence our advice to you?

Shareholdings

As the CEO of The Aureus Financial Group, namely, Aureus Wealth Advisers, Aureus Finance (Lending business, Aureus Tax & Accounting (Accounting business), Aureus Property Research (Property Advice business), Aureus Education (Wealth Education Business), which may provide you with other services as part of our ongoing relationship, Jackson Millan, has a financial interest in the above-mentioned companies by way of Aureus Financial Holdings.

Therefore, if you engage these entities for services, he will benefit personally and may receive up to 100% of the profits and distribution from all above- mentioned business entities.

Benefits

From time to time, we may accept alternative forms of remuneration from product providers or other parties, such as hospitality or support connected with our professional development (e.g. training or sponsorship to attend workshops or conferences). We maintain a register detailing any benefit we receive which is valued up to $300, and other benefits that relate to information technology, software or support provided by a product issuer, or that relate to educational and training purposes. A copy of the register is available on request for a small charge.

Approved Product List (APL)

The Licensee has an Approved Product List which may include some funds managed by AFM, as well as a range of financial products from product providers not associated with the Licensee. The Licensee does not require its Authorised Representatives to recommend only AFM products.

About Aureus Wealth Advisers Pty Ltd (we”,”us”,”our”)

Aureus Wealth Advisers Pty Ltd (“Aureus”) is licensed through Axies Pty Ltd (a subsidiary of Spark Financial Group). Axies Pty Ltd (“Axies”) is a holder of an Australian Financial Services Licence (AFSL339384).

This FSG has been given to you by your Financial Adviser with the authority of Axies. We hold professional indemnity insurance cover for the activities conducted under our AFSL which satisfies the requirements of s912B or the Corporations Act 2011 (Cth) for compensation arrangements. The insurance will cover claims in relation to the conduct of all current authorised representatives and for those who are no longer authorised under Axies (but were at the time of the relevant conduct).

Axies, through its Financial Advisors, acts for you when providing financial services to you. All Financial Advisors operating under Aureus Wealth Advisers in the provision of financial services to retail clients(you) are engaged as Authorised Representatives.

What should you do if you have a complaint?

If you have a complaint, you can contact us and discuss your complaint. Please contact the Complaints Manager of our Licensee by emailing compliance@sparkfg.com.au or using any of the contact details at the start of this FSG. We will try and resolve your complaint quickly, fairly and within prescribed timeframes.

If the complaint cannot be resolved to your satisfaction within 30 days, you have the right to refer the matter to the Australian Financial Complaints Authority (AFCA). AFCA provides a fair and independent financial services complaint resolution that is free to consumers.

Website: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001

Compensation arrangements

We have arrangements in place to maintain adequate professional indemnity insurance as required by s912B of the Act. This insurance provides cover for claims made against us and our representatives, including claims in relation to the conduct of representatives who no longer work for us but who did so at the time of the relevant conduct.

Privacy

To develop a successful financial strategy, including recommending suitable products which will meet your needs, we need to consider your personal circumstances and financial goals. We will ask you for information about your financial situation and needs prior to our initial meeting, or during our meeting to ensure our advice is appropriate for your circumstances. You have the right not to divulge this information to us if you do not wish to do so. However, in this case, your adviser will warn you about the possible consequences and how this may impact on the quality of the advice provided. Your adviser may also decline to provide advice if they feel they have insufficient information to proceed. In some instances, we will decline to provide services or advice if we feel we have insufficient information for the scope of the service or advice requested.

It is also important that you keep us up to date by informing us of any changes in your circumstances, so we are able to determine if our advice continues to be appropriate. You may contact us to update your personal information.

We keep a record of your personal information and advice documents for a period of no less than 7 years. On your request, we can provide you with a copy of this information. Charges may apply to cover external costs incurred as a result of accessing and providing you with this information plus a 10% administration fee.

To provide our services to you, your personal information may be transferred or disclosed overseas as some services providers connected to the administration of your accounts and other services we provide are located outside of Australia. Where information is transferred or disclosed overseas, we will ensure that our contractual arrangements contain provisions requiring that the recipient has appropriate data handling and security systems in place to prevent misuse, loss or unauthorised disclosure in accordance with Australian Privacy laws and standards.

We are committed to implementing a Privacy Policy which will ensure the privacy and security of your personal information. Any personal information collected from you will be handled in accordance with our Privacy Policy. Our Privacy Policy details how we comply with the requirements of the Privacy Act in the handling of our personal information. A copy of our Privacy policy can be found in our website (www.sparkfg.com.au). If you require further information, please let us know.

Please note that the information you have provided will be shared amongst certain third parties including:

  • Spark Advisors and any related entity of Spark Advisors engaged to carry out or assist with its functions and activities (for example compliance and paraplanning services provided by Spark Financial Group),
  • Financial product providers,
  • Service providers engaged to provide financial planning related services including but not limited to paraplanning, compliance (Fourth-Line, Advice RegTech), administration, estate planning and financial services software (Iress, Umlaut). This includes service providers located outside of Australia, including Philippines, Vietnam, Malaysia, India and potentially other countries in Southeast Asia. For a current list of providers engaged by the Licensee, please ask your financial adviser.
  • Companies involved in communicating the information in the FSG to any of the above parties, may use services such as electronic mail services, cloud storage services such as Google Drive, OneDrive and/or document creation services.

The information above will be shared as outlined unless otherwise directed by you.

Preparation date: 1 July 2021

Our Financial Advisers

This document is the Adviser Profile of the Financial Services Guide (FSG) dated 01 July 2021. The FSG is not complete without it.

Jackson Millan (The Wealth Mentor)
Co-Founder | CEO | Wealth Coach

ASIC Authorised Representative Number: 000344212
Tax Practitioners Board Number: 25076250
Phone: 1300 763 894
Email: jackson.millan@aureusfinancial.com.au

Jackson Millan is sub-authorised to provide the financial services described in the FSG by Aureus Wealth Advisers Pty Ltd T/A Aureus Financial (Authorised Representative No. 001259968) which is a Corporate Authorised Representativeof Axies Pty Ltd trading as Spark Advisors ABN 38 136 704 446 AFSL 339384.

Experience, Qualifications and Professional Memberships

Jackson, also known as The Wealth Mentor, has spent the last 10 years shaking up the wealth industry and proving what a real wealth coach and strategic adviser should do. Having crafted his own ‘Values Based Advice’ model, Jackson has worked to shift control back into the hands of the people when it comes to working towards achieving financial freedom. Jackson is an International best-selling author in 8 countries and has personally coached over 1,000clients towards their goals and objectives and aims to change the lives of thousands more over the years ahead.

Jackson holds an Advanced Diploma in Financial Planning and a specialist accreditation in Self-Managed Superannuation Funds advice. He holds the professional designation of Associate Chartered Financial Practitioner with the AFA and is a member of the Tax Practitioners Board.

What inspired you to create Aureus Financial? Over the last 10 years I have been working in a wide range of wealth businesses ranging from big banks to boutique advice businesses as both a consultant and owner. The common problem with these businesses is their alignment with big financial institutions which pressure their advisers to push aligned products on their clients and offer low value, transactional services. I wanted to create an industry first revolutionary engagement model that aims to put the client at the centre of everything and empower them to define their goals, create a bespoke wealth journey for them and hold them accountable to the journey through coaching, advice and accountability supported by an expert team. Who do you work with? I believe that everyone deserves access to expert and impartial advice that will help set them on the right path in pursuit of their goals. With this in mind, Aureus Financial provides multiple entry points depending on your stage of life which includes DIY e-Learning, group coaching, scaled advice and financial services and full bespoke services. Our proprietary ‘Wealth Hub’ gives you access to everything you need in one place which includes wealth education, coaching, strategic advice, tax & accounting, risk management, lending & finance, wealth creation& management, legal services, virtual CFO and business advisory. We aim to be the solution to all of your financial needs under the one roof.

How do we work with you? We are all busy and this is the main reason most of us fail to plan in the first place. We have work, business and family commitments along with trying to live a life and enjoy the fruits of your labour. With this in mind, we aim to offer a 100% virtual offering that aims to make best use of your time and provide you with support and guidance as and when you need it from anywhere in the world. If you prefer a more traditional approach, no worries. We have offices on the Northern Beaches and Sydney city. We believe that planning for the future should pass three tests; 1) simple, 2) sustainable and 3) scalable. This is at the centre of everything we do for our clients as we want you to spend more time doing what you love.

What comes next? Our process is all about giving you peace of mind and certainty for the future. As such, we offer a complimentary discovery session where we help you define your goals and understand your ‘why’, start piecing together your financial road map and give you insights into how we can add value to you. Better yet, we offer all of our clients a money back guarantee for engaging in our services. If we promise we can help you achieve an outcome and you don’t get there by following our plan, we will refund you 100%. We want to have skin in the game and invest in a long term partnership to help you reach your destination.

My Associations or Relationships

Jackson has an association with Aureus Financial as a director. Fees and commissions are paid to Aureus Financial by Spark Advisors for distribution to him.

Product and Service Advice Offered

We can help you with the following:

  • Finance
  • Budgeting and cash flow management
  • Investing in managed funds
  • Investing in direct property
  • Business consultancy and strategy
  • Accounting & Tax
  • Virtual CFO
  • Debt strategies (including borrowing for personal and investment purposes)
  • Personal insurance (life cover, disability, income protection, trauma & Key Man)
  • Superannuation strategies, including Self-Managed Superannuation Funds (SMSFs)
  • Strategic asset allocation
  • Retirement planning (retirement income streams, including pensions & annuities)
  • Estate planning & Commercial Law
  • Centrelink and other government benefits
  • Ongoing advice and services, including regular portfolio reviews

Jackson is authorised to provide financial product advice and deal in the following financial products to retail clients:

  • deposit and payment products
  • debentures, stocks and bonds
  • life products including investment life insurance and life risk insurance
  • managed investments (including investor directed portfolio services (IDPS))
  • retirement savings accounts (RSA)
  • securities; and
  • superannuation including self-managed superannuation funds

Please ask me if you would like a referral for any other services.

Preparation date: 1 July 2021

Our Financial Advisers

This document is the Adviser Profile of the Financial Services Guide (FSG) dated 01 July 2021. The FSG is not complete without it.

Salvatore Miceli
Wealth Coach

ASIC Authorised Representative Number: 001261904
Phone: 1300 763 894
Email: sal.miceli@aureusfinancial.com.au

Salvatore Miceli is sub-authorised to provide the financial services described in the FSG by Aureus Wealth Advisers Pty Ltd T/A Aureus Financial (Authorised Representative No. 001259968) which is a Corporate Authorised Representative of Axies Pty Ltd trading as Spark Advisors ABN 38 136 704 446 AFSL 339384.

Experience, Qualifications and Professional Memberships

Sal has been working as a wealth coach for 2 years assisting our clients with implementing a solid financial foundation and navigate their financial complexities. Sal has completed his Bachelor of Commerce majoring in Finance. Through his studies, he has also completed both his Diploma and Advanced Diploma in Financial Advisory and is now completing his Master of Financial Planning.

Sal has dedicated his career to helping others craft a lifestyle guided by themselves and not their liabilities. Coming from a migrant family, Sal has witnessed firsthand the struggles that individuals and families face with building wealth.

Derivative of Sal’s personal experience is a passion in making financial freedom true for all Australians. It is his ambition to empower the everyday Australian and grant them the ability to turn any goal into a reality.

My Associations or Relationships

Sal has an association with Aureus Financial as an employee. Fees and commissions are paid to Aureus Financial by Spark Advisors for distribution to me.

Product and Service Advice Offered

Sal is authorised to provide financial product advice and deal in the following financial products to retail clients:

  • deposit and payment products
  • debentures, stocks and bonds
  • life products including investment life insurance and life risk insurance
  • managed investments (including investor directed portfolio services (IDPS))
  • retirement savings accounts (RSA)
  • securities; and
  • superannuation including self-managed superannuation funds

Please ask me if you would like a referral for any other services.

Preparation date: 1 July 2021

Our Financial Advisers

This document is the Adviser Profile of the Financial Services Guide (FSG) dated 01 July 2021. The FSG is not complete without it.

Adrian Lenting
Wealth Coach

ASIC Authorised Representative Number: 001259968
Phone: 1300 763 894
Email: adrian.lenting@aureusfinancial.com.au

Adrian Lenting is sub-authorised to provide the financial services described in the FSG by Aureus Wealth Advisers Pty Ltd T/A Aureus Financial (Authorised Representative No. 001259968) which is a Corporate Authorised Representative of Axies Pty Ltd trading as Spark Advisors ABN 38 136 704 446 AFSL 339384.

Experience, Qualifications and Professional Memberships

Adrian is dedicated to taking a client’s full situation into consideration when designing personal wealth plans and understands how to help them in their finances along with their personal pursuits. He aims to simplify some of the complex concepts within finance into a form his clients can understand and demonstrate how they can affect their commercial or personal situation. Adrian specialises in building holistic financial advice plans using a pragmatic approach to goals-based advice.

During his years of industry experience, Adrian has continued to build his knowledge base including working through completing a Bachelor of Business (Financial Planning) through RMIT University, completing his Diploma of Financial Planning and Diploma of Mortgage Broking through Kaplan, as well as gaining accreditation through the MFAA to also provide clients specialist lending advice – helping them correctly structure debts in line with their investmentstrategies.

Outside of the world of finance, Adrian also keeps a busy schedule juggling a newborn girl with his love for golf, Muay Thai and Jiu-jitsu with plans to continue travelling to new destinations each year.

My Associations or Relationships

Adrian has an association with Aureus Financial as an employee. Fees and commissions are paid to Aureus Financial by Spark Advisors for distribution to me.

Product and Service Advice Offered

Adrian is authorised to provide financial product advice and deal in the following financial products to retail clients:

  • deposit and payment products
  • debentures, stocks and bonds
  • life products including investment life insurance and life risk insurance
  • managed investments (including investor directed portfolio services (IDPS))
  • retirement savings accounts (RSA)
  • securities; and
  • superannuation excluding self-managed superannuation funds

Please ask me if you would like a referral for any other services.

Preparation date: 1 July 2021

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