It all starts with a conversation
It’s time to stop treading water and build confidence with a better performing business.
23 Hamilton St,
Subiaco WA 6008
It’s time to stop treading water and build confidence with a better performing business.
23 Hamilton St,
Subiaco WA 6008
Version: 1 November 2020
KHT Wealth Pty Ltd
ASIC Number 524106
ABN 12 610 996 686
Level 1 213 Oxford St
Leederville WA 6007
www.kht.com.au
This FSG will help you decide whether to use the services that we offer. It contains information about:
We are authorised to provide personal advice and dealing services in the following areas:
We recognise that the objectives and personal circumstances of each client are different. Where we provide personal advice, we will listen to you to understand your objectives and circumstances. We will also ask questions to make sure we provide advice which is in your best interests.
When we first provide personal advice to you it will be explained thoroughly and documented in a Statement of Advice which you can take away and read.
The SoA will explain the basis for our advice, the main risks associated with the advice, the cost to you of implementing the advice, the benefits we receive and any conflicts of interest which may influence the advice.
We will provide you with a Product Disclosure Statement where we recommend a financial product other than securities. This contains information to help you understand the product being recommended.
At all times you are able to contact us and ask questions about our advice and the products we recommend.
You can provide instructions to us in writing, via phone or via email. In some cases, we may require you to provide signed instructions.
We may provide further advice to you to keep your plan up to date for changes in your circumstances, changes in the law and changes in the economy and products.
If we provide further advice it will be documented in a Record of Advice which we retain on file. You can request a copy of the RoA document at any time up to 7 years after the advice is provided.
All fees are payable to KHT Wealth Pty Ltd
Our initial advice fees include meeting with you, the time we take to determine our advice and the production of the SoA. They will be based on the scope and complexity of advice provided to you. We will agree to the fee with you before providing you with advice.
If you decide to proceed with our advice, we may charge an implementation fee for the time we spend assisting you with implementation. We will let you know what the fee will be in the SoA.
Our annual fees depend on the services that we provide to you. The fee will be a % of your portfolio value or an agreed fixed fee. It is paid monthly.
Each year, we will seek your engagement on the services to be provided and the fee.
We receive a one-off upfront commission when you take out an insurance policy that we have recommended. We also receive a monthly commission payment for as long as you continue to hold the policy.
The commission will vary depending on the recommended product and will be documented in the SoA or RoA.
We may receive other benefits from product providers such as training, meals and entertainment. Details of any benefits received above $100 will be maintained on a register which is available to you on request.
Paul Cramer and Ben Elliott are the owners of the practice. They are paid a salary and share in the profits that the practice makes.
We may refer you to KHT Accounting & Wealth for accounting, tax, SMSF and other business services.
We endeavour to provide you with the best advice and service at all times. If you are not satisfied with our services, then we encourage you to contact us. Please call us or put your complaint in writing to our office.
If you are not satisfied with our response you can refer it to the Australian Financial Complaints Authority. You can contact AFCA on 1800 931 678 or via their website www.afca.org.au. This service is provided to you free of charge.
KHT Wealth is required to hold adequate Professional Indemnity insurance for the financial services that it and its current and past representatives provide.
We are committed to protecting your privacy. We have a Privacy Policy which sets out how we collect, hold, use and disclose your personal information. It also sets out how you can access the information we hold about you, how to have it corrected and how to complain where you are not satisfied with how we have handled your personal information.
Our Privacy Policy is available on request and on our website.