Financial Services Guidearbitrageprivate.com.au/wp-content/uploads/2019/04/FSG-Private-We… · This FSG comprises a business profile as well as a professional profile in respect

Financial Services GuideDate of issue: 1 November 2018 | Version 2018_3

Arbitrage Private Wealth Pty Ltd Arbitrage Private Wealth Pty Ltd | ACN 613 065 062 Level 19, 1 O’Connell Street, Sydney NSW 2000 www.arbitrageprivateclients.com.au

Financial Services GuideDate of issue: 8 March 2019 | Version 2019_1

Arbitrage Private Wealth Pty LtdArbitrage Private Wealth Pty Ltd | ACN 613 065 062 Level 19, 1 O’Connell Street, Sydney NSW 2000 www.arbitrageprivateclients.com.au

Advice you can

trust

Arbitrage Private Wealth Pty Ltd is a Corporate Authorised Representative (CAR number 1256890) of Evaro Wealth Partners Pty Ltd

(ABN 63 602 260 579, Australian Financial Services License No 472429).

3 | Financial Services Guide - Arbitrage Private Wealth Pty Ltd

IMPORTANT INFORMATIONBefore we provide you with financial advice, you should read this Financial Services Guide (FSG) because itcontains the following important information designed to help you decide on whether to use our services:

• who we are

• the initial and ongoing advice and services we provide

• how we are paid

• who to contact should you have a complaint

This FSG comprises a business profile as well as a professional profile in respect of each adviser.

A B O U T O U R F I R M

Arbitrage Private Wealth Pty Ltd (ABN 51 613 065 062), trading as Arbitrage Private Wealth, Corporate AuthorisedRepresentative (CAR) number 1256890, is authorised to provide financial services on behalf of EvaroWealth Partners Pty Ltd (ABN 63 602 260 579, Australian Financial Services License No 472429).

Arbitrage Private Wealth provides a range of advisory services to help people grow, manage and protect theirwealth. We can help you create, sustain and protect the lifestyle that you desire.

C O N T A C T D E T A I L S

Arbitrage Private WealthLevel 19, 1 O’Connell Street, Sydney NSW 2000Tel: (02) 8249 1967 | Email: [email protected]

This FSG contains some important information about the services we offer and how we charge for theseservices. Attached to this document is an adviser profile for each adviser in our firm. The adviser profilecontains information about your adviser such as their qualifications, experience and any memberships theymay hold. It also outlines the strategies and products that they can advise you on.


ADVICE WE CAN PROVIDEA P P R O V E D P R O D U C T S

Evaro Wealth Partners Pty Ltd maintains a broad approved list, containing investment and insurance products that have been researched by a number of external research houses as well as our in-house research team.

We may recommend products, platforms and portfolio administration services (PAS) promoted or issued by any of the companies on the above mentioned approved list.

In addition we may recommend products that are not on the approved list where appropriate to your circum-stances, if agreed to by Evaro Wealth Partners Pty Ltd.

A copy of the approved list for investment and insurance can be supplied to you upon request.

T R A N S A C T I O N S E R V I C E S

If you do not require advice from us, but you would like us to help you complete a particular transaction, we can also arrange for you to apply for the kinds of products referred to in your adviser’s profile. In these cases, we can take your instructions and arrange for the transaction to be completed without providing you with personal advice.

It is important to understand that in these circumstances we will generally ask you to confirm your instruc-tions in writing and to sign a letter that acknowledges you have declined our offer of advice as well as under-stand the risks of a transaction service. You will be provided with a copy of the letter for your own records. You can also contact us directly with any instructions relating to your existing financial products. We will accept instructions from our existing clients via telephone, mail or email.


DOCUMENTS YOU MAY RECEIVEOur initial advice will be provided to you in a financial plan, known as a Statement of Advice (SoA).The financial plan contains a summary of your goals and the strategies and financial products we willrecommend to achieve your goals. It also provides you with detailed information about the fees, costs andother benefits we will receive as a result of the advice we have provided.

We will keep a record of any further advice we provide you for seven years. You may request a copy for yourrecords by contacting our office.

If we recommend or arrange a financial product for you, we will make available a product disclosurestatement (PDS) or investor directed portfolio service (IDPS) guide where relevant. These documents containthe key features of the recommended product, such as its benefits and risks as well as the costs you will paythe product provider to professionally manage your investment or insurance.

You should read any warnings contained in your financial plan, the PDS or IDPS guide carefully beforemaking any decision relating to a financial strategy or product.


OUR FINANCIAL PLANNING PROCESSWe follow a defined financial planning process so that you can achieve all of the benefits of financial planning advice. Of course, everyone is different, with different circumstances, needs and goals. We treat every client as an individual but by following a defined process, you will know what to expect.

1 . I D E N T I F Y I N G W H E R E Y O U W A N T T O B E

We help you to identify your financial and lifestyle goals. The type of advice you need could depend on your life stage, the amount of money you want to invest and the complexity of your affairs. We will help you to identify the range of issues that need to be addressed to meet your goals. You can then decide if you want our advice to meet a single need or a broad range of issues.

2 . C O N S I D E R I N G T H E O P P O R T U N I T I E S A N D R I S K S

We assess your current situation and investigate the range of financial options available for you to reach your goals.

3 . B R I D G I N G T H E G A P

Based on discussions with you and the research conducted by us, we will devise a strategy to bridge the gap between where you are now and where you want to be.

4 . B R I N G I N G Y O U R P L A N T O L I F E

We work closely with you to implement your financial strategy. We help you complete any necessary paper-work and are available to attend meetings with your accountant, solicitor and other professionals to ensure that your strategy is implemented efficiently.

5 . S T A Y I N G O N T R A C K W I T H R E G U L A R O N G O I N G A D V I C E

As time goes on and circumstances change, your financial plan will need to be changed to keep up to date with your changing needs. The final step in the advice process ensures your financial plan remains on track, by providing you with regular ongoing advice and service. We offer an ongoing service programme to ensure your plan remains up to date as your needs and circumstances evolve over time.


ADVICE WE CAN PROVIDES T R A T E G Y

• Tax (financial advice)

• Guidance on budgeting and goal setting

• Savings and wealth creation strategies

• Investment planning

• Superannuation planning

• Pre-retirement planning

• Retirement planning

P R O D U C T S

• Cash management trusts

• Retirement income streams

• Direct fixed interest

• Retail and wholesale managed

• investment schemes

• Limited investment guarantees

• Socially responsible investments

• Hedge funds

• Platform and master trust products

• Superannuation products

Although we do not provide estate planning advice as part of or incidental to the provision of financial plan-ning advice, we can arrange to provide access to specialist estate planning services, where required. We also offer access to mortgage broking, commercial financing and leasing services.We can facilitate the purchase of direct equities through a number of reputable stockbrokers.

• Centrelink planning

• Risk and insurance analysis

• Business succession planning

• Gearing and margin lending strategies

• Debt management

• Estate planning considerations

• Personal and group insurance (excluding general insurance)

• Business succession insurance (excluding general insurance)

• Geared products

• Self-managed super funds (including limited recourse borrowing arrange-ments)

• Direct shares


OUR REMUNERATIONARRANGEMENTSF E E S F O R O U R A D V I C E S E R V I C E S

The fees charged for our advice services may be based on a combination of:

• A set dollar amount that is agreed between you and your wealth adviser; or

• A percentage-based fee based on the amount you invest that is agreed between you and your wealth adviser.

The advice fees may include charges for the following advice services:

1 . I N I T I A L A D V I C E

The initial advice fee covers the cost of researchingand preparing your financial plan and is based on aset dollar amount.

Before providing you with initial advice we willprepare a Letter of Engagement. This document isan agreement that sets out what our initial advicewill cover and how much it will cost you.

In addition, the initial advice fee will be disclosed inyour financial plan.

2 . A D V I C E I M P L E M E N T A T I O N

The advice implementation fee covers theadministrative time spent implementing therecommended strategies and products and is basedon a set dollar amount.

The advice implementation fee will be disclosed inthe Letter of Engagement or in your Statement ofAdvice.

3 . O N G O I N G A D V I C E

The ongoing advice fee covers the cost to reviewor manage the strategies and the productsrecommended in your Statement of Advice. Anongoing review helps you take advantage ofopportunities as they become available.

The ongoing advice fee is calculated as either a setdollar amount or a percentage of your investments.

Ongoing advice fees may increase each year in linewith the Consumer Price Index (CPI) or by a fixedamount or fixed percentage each year. We will adviseyou if this fee will increase as a result of CPI.

Before providing you with ongoing advice, Arbitrage Private Wealth will prepare an Ongoing Service Agreement. This agreement sets out our ongoing advice offer, which includes the advice and services we will provide, as well as the frequency of delivery, how much it will cost, your payment method and how the service can be terminated. In addition, the ongoing advice fee will be disclosed in your Statement of Advice.

4 . A D D I T I O N A L A D V I C E

For all other advice, an additional advice fee may becharged based on a set dollar amount.

Any additional advice fee will be disclosed in yourStatement of Advice.

5 . C O M M I S S I O N

Please note that for services in relation to insurance,margin lending and agribusiness, commissions maybe paid as follows:

• Initial Commission - Up to 80% of first year premiums, and

• Ongoing Commission - up to 20% of subsequent premiums

Your advice fees will be calculated at the time weprovide you with personal advice. Your Statementof Advice will outline the advice fees and anycommission inclusive of GST. Example: on a premium of $1,000 p.a. we may earn $800 upfront and $200 p.a. in subsequent years (before deduction of the licensee fee).


OUR REMUNERATIONARRANGEMENTS (CONTINUED)P A Y M E N T M E T H O D S

We offer you the following payment options for payment of our advice fees:

• Cheque, electronic transfer

• Deduction from your investment

• Ongoing advice fees may be deducted in a single instalment or in monthly or quarterly instalments over twelve months.

D I S T R I B U T I O N O F F E E S

We believe the advice services we offer are valuable and the remuneration we receive is a fair reward forour expertise and skills. Our fees and any brokerage, commissions or additional payments paid by productproviders (total remuneration) are receivable by Evaro Wealth Partners Pty Ltd as the Licensee.

Evaro Wealth Partners will typically retain up to 35% of the total remuneration and distribute the remainingamount to Arbitrage Private Wealth.

O T H E R B E N E F I T S W E M A Y R E C E I V E

We may be offered or receive non-commission benefits such as attendance at training events, entertainmentor sponsorship from some product providers at no extra cost to you.

Both Arbitrage Private Wealth and your wealth adviser maintain a register to document any benefits receivedwith a value greater than $300. A copy of this register can be made available to you within seven daysof your request.

P R O D U C T C O M P E T I T I O N S

We may participate in short term incentive programs such as a product provider that pays additionalcommissions during a specified period. Due to the temporary nature of these arrangements, they have notbeen included in this document. Details of any short term incentives will be outlined in your financial plan.

P A Y M E N T S T O O T H E R P R O F E S S I O N A L S

We may also make payments to people or organisations that refer clients to us. This will be disclosed in yourfinancial plan if applicable.

P A Y M E N T S F R O M O T H E R P R O F E S S I O N A L S

You may be referred to an external specialist to receive further advice. We may receive a referral fee orcommission for introducing you to the specialist. This will be disclosed in your financial plan if applicable.


EVARO WEALTH PARTNERS PTY LTDEvaro Wealth Partners Pty Ltd holds an Australian Financial Services Licence (Licence number 472429) and authorises your wealth adviser to give advice under this licence.

Essentially, Evaro Wealth Partners works with its wealth advisers to ensure they are equipped to give high qual-ity, up-to-date wealth advice.

C O N T A C T D E T A I L S

Phone: (02) 9922 6155Postal address: PO Box 1890, North Sydney NSW 2059Website: www.erywealth.com

Evaro Wealth Partners has approved the distribution of this Financial Services Guide by yourwealth adviser.

Y O U R P R I V A C Y

Your privacy is important to us. To learn more about our collection and handling of your personalinformation and for details on how to access our Privacy Policy please refer to the Appendix to this FSG.

Another financial adviser may be appointed to you if your adviser leaves Arbitrage Private Wealth or isunable to attend to your needs due to an extended absence from the business. In these circumstances,Arbitrage Private Wealth will write to you advising you of the change. Your personal information will bepassed on to the new adviser.

If you choose to appoint a new financial adviser, your new adviser will be provided access to your portfolioinformation. They will be responsible for providing you with ongoing advice relating to those products andyou should confirm ongoing fee arrangements with them.

P R O F E S S I O N A L I N D E M N I T Y I N S U R A N C E

Professional indemnity insurance is maintained by Evaro Wealth Partners Pty Ltd and your wealth advisersto cover advice, actions and recommendations which have been authorised by Evaro Wealth Partners andprovided by your wealth adviser. The insurance satisfies the requirements imposed by the Corporations Act2001 and financial services regulations.


CONFIDENCE IN THE QUALITYOF OUR ADVICEIf, at any time, you are not satisfied with the advice you receive, or any other aspect of the service providedby your wealth adviser, you should take the following steps:

• Contact your wealth adviser and tell them about your complaint.

• If your complaint is not satisfactorily resolved within three days, please contact Evaro Wealth PartnersComplaints on (02) 9922 6155 or put your complaint in writing and send it to:

Evaro Wealth Partners Pty LtdAttention: Complaints Case ManagerPO Box 1890, North Sydney NSW 2059

• Evaro Wealth Partners will try to resolve your complaint quickly and fairly.

If your complaint has not been resolved satisfactorily, you may escalate your complaint to one of theExternal Dispute Resolution Schemes listed below.

T Y P E O F C O M P L A I N T E X T E R N A L C O M P L A I N T S S E R V I C E

Australian Financial Complaints Authority (AFCA)

Address: GPO Box 3Financial advice, investments, superannuation or Melbourne Victoria 3001insurance matters Phone: 1800 931 678 Email: [email protected]

The Privacy Commissioner

Address: GPO Box 5218 Sydney NSW 2001Personal information held Phone: 1300 363 992 Fax: (02) 9284 9666 Email: [email protected]

ASIC may be contacted on 1300 300 630 to find out which body may be best to assist you in settling your complaint


JOHAN BREDENHANNYour wealth adviser, Johan Bredenhann, is a director of Arbitrage Private WealthPty Ltd and an Authorised Representative of Evaro Wealth Partners Pty Ltd (ASICnumber 1256888).

• B Com (University of Stellenbosch)

• LLB (University of Stellenbosch)

• Diploma of Financial Planning (Kaplan Professional)

• Diploma of Finance and Mortgage Broking Management (AAMC)

• Diploma of Investment and Portfolio Management (UNISA)

• Certificate in Self-managed Superannuation Funds (Kaplan Professional)

Johan is a principal of the member firm and has been providing financial advice to clients since 1996. He worked as a Legal Adviser for a major Insurance Company in South Africa and for 2 Private Banks in South Africa as Private Banker and Wealth Manager. In 2010 Johan joined St George Private Clients in Sydney and when he left St George he was in the position of Director in their Sydney office. Johan’s focus has always been on providing holistic financial services to high net worth and affluent clients, advising them on a range of financial services ranging from banking, insurance, debt structuring, wealth management through to investments.

• Financial Planning Association (FPA)

• Mortgage and Finance Association of Australia (MFAA)

Johan can provide you with strategic advice as well as arrange the types of financialproducts listed below.

Johan may be paid a salary and may be entitled to a profit share. This bonus is based on his performance, the total remuneration paid to Arbitrage Private Wealth in conjunction with his work and the profitability of Arbitrage Private Wealth.

P R O D U C T• Cash management trusts• Retirement income streams• Retail and wholesale managed

investment schemes• Limited investment guarantees• Socially responsible investments• Hedge funds• Platform and master trust products• Superannuation products• Personal and group insurance

(excluding general insurance)• Business succession insurance

(excluding general insurance)• Geared products• Self-managed super funds

(including limited recourse borrowing arrangements)

S T R A T E G I E S• Guidance on budgeting and goal setting• Savings and wealth creation strategies• Investment planning• Superannuation planning• Pre-retirement planning• Retirement planning• Centrelink planning• Risk and insurance analysis• Business succession planning• Gearing and margin lending strategies• Debt management• Estate planning considerations• Tax (financial) advice

E D U C A T I O N A N DQ U A L I F I C A T I O N S

E X P E R I E N C E

M E M B E R S H I P S

A D V I C E J O H A NC A N P R O V I D E

P A Y M E N T


ADY HRNCICYour wealth adviser, Ady Hrncic, is a director of Arbitrage Private Wealth Pty Ltdand an Authorised Representative of Evaro Wealth Partners Pty Ltd (ASIC number1256925).

• Diploma of Financial Planning (Kaplan Professional)

• Diploma of Finance and Mortgage Broking Management (AAMC)

• ASIC RG146 (Kaplan Professional)

• Certificate in Developing Future Leaders (BT)

• Certificate III in Business Computing (Interim Technology)

• Architecture qualifications completed in Europe

Ady is a Director and Principal of the member firm. He has more than 12 yearsexperience in the financial services industry having worked as Senior PrivateBanker and specifically managing a portfolio of Ultra High Net Worth Clients.Ady has local and overseas qualifications, as well as experience in a wide range ofindustries. Banking and wealth management has been his specific area of focusand passion. During his career in Private Banking he worked closely with FinancialPlanners and Investment Specialists to bring a range of holistic wealth relatedand investment services to his clients, in both the advised and self-directed clientspace. He received various awards and accolades during his career in PrivateBanking.

• Financial Planning Association (FPA)

• Mortgage and Finance Association of Australia (MFAA)

Ady can provide you with strategic advice as well as arrange the types of financialproducts listed below.

Ady may be paid a salary and may be entitled to a profit share. This bonus is basedon his performance, the total remuneration paid to Arbitrage Private Wealth inconjunction with his work and the profitability of Arbitrage Private Wealth.

P R O D U C T• Cash management trusts• Retirement income streams• Retail and wholesale managed



(excluding general insurance)• Geared products

S T R A T E G I E S• Tax (financial) advice• Guidance on budgeting and goal setting• Savings and wealth creation strategies• Investment planning• Superannuation planning• Pre-retirement planning• Retirement planning• Centrelink planning• Risk and insurance analysis• Business succession planning• Gearing and margin lending strategies• Debt management• Estate planning considerations


E X P E R I E N C E


A D V I C E A D YC A N P R O V I D E

P A Y M E N T


DIETMAR BIRKMANNYour wealth adviser, Dietmar Birkmann, is a Senior Wealth Adviser of ArbitragePrivate Wealth Pty Ltd and an Authorised Representative of Evaro Wealth PartnersPty Ltd (ASIC number 1256925).

• Certified Financial Planner (Financial Planning Association)

• Diploma of Financial Administration (Deakin University)

• Bachelor of Financial Administration (Accounting) (University of New England)

• Diploma of Business (TAFE)

• Self-Managed Superannuation Accreditation (Securitor)

• ASX Listed Products Accreditation (ASX)

Dietmar is a Senior Adviser of the firm and has been providing financial adviceand services since 1994. He was first awarded the CFP status in 1999 and continuesto maintain the rigorous education standards required for this designation. Hehas gathered extensive experience in both private practice and in larger financialorganisations as a senior adviser. Over the last 12 years this has been exclusivelywith higher net worth and higher income earning individuals and families. Hetherefore understands very well the more particular needs of clients with greateramounts of wealth and income to be protected and managed. He is passionateabout helping clients to achieve their individual needs and goals and leverage theopportunities afforded to them. He is a strong believer in working in a team withclient’s other professional advisers and thus achieving the best outcome for clients.

• Financial Planning Association (FPA) - CFP Membership

Dietmar can provide you with strategic advice as well as arrange the types offinancial products listed below.

Dietmar is paid a consultancy fee and may also be entitled to a bonus. This bonus isbased on his performance, the total remuneration paid to Arbitrage Private Wealthin conjunction with his work and the profitability of Arbitrage Private Wealth.

P R O D U C T• Cash management trusts• Retirement income streams• Direct fixed interest• Retail and wholesale managed





• Direct shares

S T R A T E G I E S• Tax (financial) advice• Guidance on budgeting and goal setting• Savings and wealth creation strategies• Investment planning• Superannuation planning• Pre-retirement planning• Retirement planning• Centrelink planning• Risk and insurance analysis• Business succession planning• Gearing and margin lending strategies• Debt management• Estate planning considerations


E X P E R I E N C E


A D V I C E D I E T M A RC A N P R O V I D E

P A Y M E N T


JOEL EVANS CFP ®

Your wealth adviser, Joel Evans, ASIC number 411461, is a director of ArbitragePrivate Wealth Pty Ltd and Evaro Wealth Partners Pty Ltd.

• Certified Financial Planner® (Financial Planning Association)

• Bachelor of Commerce (Accounting & Finance) (University of Newcastle)

• Chartered Accountant (Institute of Chartered Accountants)

• ASX Accredited Listed Product Adviser (Kaplan Professional)


• Certificate IV in Finance & Mortgage Broking (Kaplan Professional)

Joel is a principal of the member firm and has been providing financial adviceto clients since 2001. He worked as a private wealth adviser at a major bankinggroup before joining Arbitrage Private Wealth. He has worked in Sydney as wellas in Hong Kong, specialising in wealth creation and tax effective strategies for arange of affluent clients. Joel worked as a Chartered Accountant before startinghis career as a private wealth adviser. He is passionate about ensuring that all hisclients’ financial and personal goals are met. He achieves this through providingconsidered and timely holistic advice that is always relevant to the clients’ currentpersonal situation.

• Financial Planning Association (FPA) – CFP® membership

• Institute of Chartered Accountants – Chartered Accountant

Joel can provide you with strategic advice as well as arrange the types of financialproducts listed below.

Joel Evans may be paid an hourly consulting fee in respect of services rendered tothe member firm.






• Direct shares

S T R A T E G I E S• Tax (financial) advice• Guidance on budgeting and goal setting• Savings and wealth creation strategies• Investment planning• Superannuation planning• Pre-retirement planning• Retirement planning• Centrelink planning• Risk and insurance analysis• Business succession planning• Salary packaging advice• Gearing and margin lending strategies• Debt management• Estate planning considerations


E X P E R I E N C E


A D V I C E J O E LC A N P R O V I D E

P A Y M E N T


DANIEL ROSSOUW CFP ®

Your wealth adviser, Daniel Rossouw, ASIC number 411462, is a director ofArbitrage Private Wealth Pty Ltd and Evaro Wealth Partners Pty Ltd.

• Certified Financial Planner® (Financial Planning Association)

• B Proc (Law) (University of South Africa)

• Postgraduate Diploma in Financial Planning (University of the Free State, South Africa)

• Advanced Diploma of Financial Services (Financial Planning) (Kaplan Professional)


• ASX Accredited Listed Product Adviser (Kaplan Professional)

Daniel is a principal of the member firm and has been providing financial advice toclients since 1994, working both in Australia as well as in South Africa. He has alsoworked as a legal adviser at a major financial services group in South Africa, wherehe specialised in tax law and corporate financial planning. Daniel has a particularinterest in the development of financial strategies which support clients’ wider lifegoals and self-actualisation objectives. He has trained as a financial life plannerand is listed with the Kinder Institute of Life Planning in the United States

• Financial Planning Association (FPA) – CFP® membership

Daniel can provide you with strategic advice as well as arrange the types offinancial products listed below.

Daniel Rossouw may be paid an hourly consulting fee in respect of servicesrendered to the member firm.






• Direct shares

S T R A T E G I E S• Tax (financial) advice• Guidance on budgeting and goal setting• Savings and wealth creation strategies• Investment planning• Superannuation planning• Pre-retirement planning• Retirement planning• Centrelink planning• Risk and insurance analysis• Business succession planning• Salary packaging advice• Gearing and margin lending strategies• Debt management• Estate planning considerations


E X P E R I E N C E


A D V I C E D A N I E LC A N P R O V I D E

P A Y M E N T


APPENDIX: PRIVACY COLLECTIONSTATEMENTAs part of the financial planning process, we need to collect information about you. Where possible we willobtain that information directly from you, but if authorised by you we may also obtain it from other sourcessuch as your employer or accountant. If that information is incomplete or inaccurate, this could affect ourability to fully or properly analyse your needs, objectives and financial situation, so our recommendationsmay not be completely appropriate or suitable for you.

We are also required under the Anti-Money- Laundering and Counter-Terrorism Financing Act (AML/CTF)2006 to implement client identification processes. We will need you to present identification documents suchas passports and driver’s licences in order to meet our obligations.

We keep your personal information confidential, and only use it in accordance with our Privacy Policy.

Some of the ways we may use this information are set out below:

• Your adviser and Arbitrage Private Wealth may have access to this information when providing financial advice or services to you;

• Your adviser may, from time to time, disclose information to other financial advisers, brokers and those who are authorised by Evaro Wealth Partners to review customers’ needs and circumstances from time to time;

• Your information may be disclosed to external service suppliers both here and overseas who supply administrative, financial or other services to assist your adviser in providing financial advice and services to you;

• Your information may be disclosed as required or authorised by law and to anyone authorised by you.

Your adviser and Arbitrage Private Wealth will continue to take reasonable steps to protect your informationfrom misuse, loss, and unauthorised access, modification or improper disclosure. You can request access tothe information your planner or Arbitrage Private Wealth holds about you at any time to correct or updateit as set out in the Evaro Wealth Partners Privacy Policy. This Policy also contains information about how tomake a complaint about a breach of the Australian Privacy Principles. For a copy of the Privacy Policy visitwww.erywealth.com/privacy-statement or you can contact us.

Arbitrage Private Wealth Pty Ltd Arbitrage Private Wealth Pty Ltd | ACN 613 065 062 Level 19, 1 O’Connell Street, Sydney NSW 2000 www.arbitrageprivateclients.com.au

Documents

Financial Services Guidearbitrageprivate.com.au/wp-content/uploads/2019/04/FSG-Private-We… · This FSG comprises a business profile as well as a professional profile in respect