At JC Consulting Pty Ltd we your advisor will only recommend an investment to you after considering its suitability for your individual investment needs, objectives and financial circumstances.
If you have any complaints about the service provided, please take the following steps:
The Australian Securities & Investment Commission (ASIC) also has a toll free Infoline on 1300 300 630 which you may use to make a complaint and obtain information about your rights.
Yes. You may specify how you would like to give us instructions. For example, telephone, fax or other.
We maintain written records of your personal profile which includes details of your investment objective, financial situation and needs. We also maintain records of any recommendations made to you and discussions of significance we may have with you.
If you wish to examine your file, feel free to ask and we will make arrangements for you to do so.
We will explain and document to you the risk return principles associated with investments and strategies, which we recommend to you. You should ask us to clarify any risks that are not clear to you.
Yes. You have the right to know about details of commissions and other benefits your adviser can receive for recommending investments. We will provide this to you when we make specific recommendations.
Your adviser will either charge you a fee or receive commissions, or may offer a combination of both, details of which will be clearly documented to you before you proceed.
Fee for service only – Fees are charged according to the work provided by your adviser and may be charged on an hourly basis or as a flat fee. You may receive a fee for the placement of your initial investment and associated advice, as well as an ongoing fee for the provision of ongoing advice. If you are charged a fee for service only, all commission (up front and ongoing) will be rebated back to you.
Commission/Brokerage only – Your adviser may be remunerated for the services provided by receiving commission/brokerage only. We typically receive between 0% and 5% commission of the funds invested from the investment manager or other parties with which JC Consulting has a relationship. This commission is not charged separately to you. It is paid to us by the fund managers out of the fees payable on your investment.
Some companies also pay us an ongoing commission (often call a trial commission).
Both the up front commission and the ongoing commission will be explained and clearly documented. You will also receive Research Notes (which fully document the fees) for any recommendation we make.
We expect that you will complete any proposal forms for life insurance in your own handwriting.
We expect that you will not sign any blank documents.
We expect that you will not make any cheques payable to any of JC Consulting’s Authorised Representative in any circumstances.
We expect that you will not make any cheques payable to JC Consulting except where you have agreed to pay a fee for service provided by your adviser and have been invoiced for the service on a JC Consulting Pty Ltd Tax Invoice.
We expect that you will provide us with he information that we request so that we have a reasonable basis on which to provide you with advice.
We expect that you will update us annually, or more often if necessary, on any changes that may influence your future objectives.
We expect that you will use our advice for you to make the decisions.
We expect that you will take advantage of our Annual Review Service. This service provides you with ongoing advice of your portfolio. A fee may be charged for this service. The amount of the fee will be agreed between you and your adviser at your first interview and will depend on the elements of the service you wish to adopt.
We will not provide advice on products that are not on JC Consulting’s Approved Products list. No representative of JC Consulting has authority to advise on products outside of the approved list.
We will not ask you to sign any blank documents.
At JC Consulting we your advisor will only recommend an investment to you after considering its suitability for your individual investment needs, objectives and financial circumstances.
We will consider your tax situation but not provide advice on tax.
Level 1, Suite 19, 4 Station Street, Fairfield NSW 2165
Shop 5, 2 Gregory Terrace, Alice Springs NT 0870
Shop 4A, Helm House, 42 Bath Street, Alice Springs. NT 0870
Suite 3, 707 Mt Alexander Road, Moonee Ponds. VIC. 3039