Financial Services Guide

Oreana Financial Services – Financial Services Guide (“FSG”)

The financial services we refer to in this FSG are offered by your advisor as an authorised representative of Oreana Financial Services Pty Ltd ABN 91 607 515 122 AFSL 482234 (“Oreana”; “we”; “us”; “our”).

Purpose of a Financial Services Guide (FSG)

This FSG is an important document. It is designed to assist you in deciding whether to use any of the financial services offered by us. This FSG is divided into two parts and both parts must be read together. Each part outlines the following information.

Part A – General Details

Provides informations about:

• Oreana, their relationship with your Advisor and other entities.
• Other documents you may receive.
• Financial services and products we provide.
• Collecting your personal information and providing instructions.
• What you can do if you are not satisfied with our services.

Part B – Representative Profile

Provides informations about:

• Who your Advisor is and how they can be contacted.
• Financial services and products your Advisor is authorised to provide.
• Fees or other costs your Advisor may charge.
• How your Advisor and any other relevant parties are remunerated.

Please read and understand the FSG in its entirety. If you ever have any questions, please contact us using the details set out in this FSG.

The following section outlines how Oreana, the Licensee receives certain fees and commissions from product providers and manages other relationships in the group. These relationships restrict Oreana from being referred to as independent, impartial, or unbiased. However, the application of these points will vary across our network as each practice operates in a different but transparent way. Please refer to your Advisor Representative Profile – Part B for more information.

Not Independent

• If you implement our Insurance advice recommendations, we may receive a commission payments directly from the Insurer.
• For some listed security transactions, such as hybrid securities, we may receive remuneration and benefits (stamping fees) from the product issuer.
• Oreana Financial Services is a part of the Oreana Group of companies, including Ascalon Capital. We may utilise the investment services of Oreana PAS, which may include Managed Accounts.

Although we’re required to act in your best interests, receiving payments from product issuers means that we aren’t independent.

Who is responsible for the financial services we provide?

Oreana Financial Services Pty Ltd ABN 91 607 515 122 is responsible for the financial services provided and authorises the distribution of this FSG.

We are the holder of an Australian Financial Services Licence (AFSL), number 482234. You can contact us at info@oreana.com or Level 17, 627 Chapel Street, South Yarra, Melbourne, Victoria 3141, Australia.

Our Associations and Relationships

Oreana Financial Services Pty Ltd is an Australian firm and part of the Oreana Group of companies (“Oreana Group”). The Oreana Group comprises of divisions including Oreana Private Wealth and Ascalon Capital, a service your adviser may recommend. Oreana may receive a fee associated with this service if recommended. We also advise on and arrange the issue of financial products from a range of financial product issuers outside of the Group.

Oreana Financial Services Pty Ltd also offer financial planning advice through a network of high quality, self-employed practices which have specialist expertise in a range of areas.

Further details for these practices are outlined in the practices’ Representative Profiles which accompany this FSG.

How will we advise you?

When you meet with us for financial advice, we will assess your current financial position, as well as your future goals and objectives and provide advice and recommendations which will consider your personal circumstances.