Professional Financial Services in Perth 

The Financial Services Guide (‘FSG’) is intended to inform you of certain basic matters relating to our relationship, prior to us providing you with a financial service.

Under the Financial Services Reform Act 2002, General Insurance is considered a financial product. The matters covered by an FSG include, who we are, how we can be contacted, who is our licensee, what services we are authorised to provide to you, how we and any other relevant parties are remunerated, details of any potential conflict of interest and details of our internal and external dispute resolution procedures and how you can access them.

Key information is set out in answer to the questions below. Should you require more information or clarification, please ask us.

This Financial Services Guide is issued with the authority of Lugarno Holdings Pty Ltd.

You should also be aware that you are entitled to receive a Statement of Advice whenever we provide you with any advice which takes into account your objectives, financial situation and needs. The Statement of Advice will contain the advice, the basis on which it is given and information about fees, commissions and associations which may have influenced the provision of the advice.

In the event we make a recommendation to acquire a particular financial product or offer to issue or arrange the issue of a financial product, we must also provide you with a Product Disclosure Statement containing information about the particular product which will enable you to make an informed decision in relation to the acquisition of that product.