FSG | Bratton Wealth

Financial Services Guide

Part One - Wealth IQ Group Pty Ltd

Version 1.0

This Financial Services Guide (‘FSG’) has been authorised for distribution by the authorising licensee, Wealth IQ Group Pty Ltd
ABN 45 644 154 914, AFSL no. 527880 (‘Wealth-IQ’). Wealth-IQ is the financial services licensee that authorises your WealthIQ financial adviser (‘Adviser’) and their firm (‘we’, ‘us’, ‘our’) to provide financial services.

This is an important document designed to provide you with information to make an informed decision about whether to use the
financial services that we provide.

This FSG is divided into two parts and both parts must be read in conjunction as together they form the full FSG. Part One of this
FSG provides high level disclosure of the financial services provided by us as well as important information about Wealth-IQ
whereas Part Two of this FSG is an Adviser Profile and more specifically outlines the financial services provided and products
recommended by us.

Contacting us If you need to contact us, you can speak with your Adviser. You can contact Wealth-IQ using the following details:

PO Box 435, Highgate, SA, 5063
+61(8) 8271 5427

Part One of this FSG contains information about:

Wealth-IQ, as the holder of the Australian Financial Services Licence that authorises us to provide financial services.
Lack of Independence disclosure.
Other disclosure documents you may receive.
The financial services and types of products we provide or recommend.
Collecting your personal information and providing us with instructions.
Fees or costs that may apply to you.
Remuneration that we, your Adviser or a related entity may receive.
Relationships or associations with other entities, that could create potential conflicts of interest, and
What you can do if you are not happy with our services or have a complaint.

Who Is Wealth IQ Group Pty Ltd?

Wealth-IQ’s purpose is to help all Australians afford their dreams. We educate clients to help them make informed decisions about their future. So, whether you are just starting out or approaching retirement, we assist you by providing you with financial advice which gives you greater control over your financial future.

Lack of Independence

Wealth IQ Group Pty Ltd and its Representatives listed in FSG Part 2 are not independent, impartial, or unbiased because we:

Receive commissions for the advice we provide on life risk insurance products.

Authorised Representative Profile – Part Two

Your financial adviser will be the Authorised Representative listed in Part Two of this FSG.

This FSG must be read in conjunction with the Authorised Representative Profile as it forms part of this FSG. It provides detailed
information about your financial adviser such as their contact details, referral sources and the types of financial products and
services they are authorised to advise/deal in. Please retain both Part One and Part Two of the FSG for your reference and any
future dealings with Wealth-IQ and your financial adviser.

What Other Documents Might You Receive?

You might receive the following documents when your Adviser provides financial services to you:

Statement of Advice (SoA) If your Adviser provides personal advice tailored to your circumstances and needs you will receive a SoA. The information contained in the SoA will help you make an informed decision in relation to the advice provided. It also sets out the advice, the reasons for the advice and details about any remuneration payable.

Record of Advice (RoA) Where further advice is provided to you in reference to previous advice (SoA) and there have been no significant changes to your relevant personal circumstances, your adviser will provide you with a RoA. There are no limitations in relation to time or how you make your requests for a copy of the RoA.

Product Disclosure Statement (PDS) You will receive a PDS if your Adviser recommends a financial product or offers to arrange the issue of a financial product on your request. The PDS contains information about a financial product’s features, fees, benefits, and risks.

Advice Services We Provide

Our licence can provide advice in the following financial products:

Life insurance.
Government debentures, stocks, and bonds.
Managed investment schemes including IDPS.
Retirement Savings Accounts.
Securities.
Superannuation.
Standard Margin Lending Facilities.

Wealth-IQ and your Adviser will consider the tax consequences that relate directly to the financial advice being provided. However, this financial advice will not include an assessment of your overall tax position. To determine how your Adviser’s financial advice fits with your overall tax position, you should seek separate tax advice about liabilities, obligations or claim entitlements that arise, or could arise, under a taxation law.

Instructing your Adviser

You will generally need to instruct your Adviser in person and your signature will be required for verification. For some products and services though, special arrangements can be put in place to instruct your Adviser by electronic means, for example phone, e-mail, or fax.

What Information Should You Provide to Receive Personal Advice?

Your adviser must act in your “Best Interests”. To assist your adviser in acting in your best interests, as well as helping us to advise you in an appropriate manner and protecting you throughout our relationship, we request you.

Supply accurate information about your personal circumstances, needs and objectives.
Update your adviser on any changes to this information.
Do not make any payments for investments, contracts, or fees “made payable” to your adviser.
Never sign blank forms.
Never sign any form or agree to any recommendation without fully understanding what you are signing or agreeing to.

You have the right to withhold personal information, but this may have an impact on the appropriateness of the advice you receive. You should read any warnings contained in any advice document (whether SoA or RoA) carefully before making any decision relating to a recommended financial strategy and/or product. Your adviser will request you sign an acknowledgement if you do not wish to provide complete information or if they believe that the information is not accurate.

How We Handle Your Personal Information

Wealth-IQ and we are committed to ensuring the privacy and security of your personal information. As part of our continuing commitment to client service and maintenance of client confidentiality Wealth-IQ has adopted the principles set out in the Privacy Act 1988. For further details you can refer to Wealth-IQ’s Privacy Policy.

Non-Advisory Transactions

At times you may wish to make an investment transaction and do not need assistance from us with any decisions in relation to the product or transaction. In these cases, we can take your instructions and arrange for the transaction to be completed, without providing personal advice. If you wish to proceed without advice from us, we will ask you to confirm your instructions in writing and sign an acknowledgment form. Any assistance we provide to complete your transaction should not be taken as a recommendation or endorsement of the product or transaction.

How do You Pay for Wealth-IQ Advice and Services?

All remuneration is required to be paid directly to Wealth-IQ as the licensee. Wealth-IQ may retain a percentage and the balance that is attributable to the financial services we provide is passed on to us. If the fees, commissions, or benefits are not calculable at the time we provide personal advice, we will describe the manner in which they are calculated at the time the advice is given or as soon as practicable after.

Fee Arrangements

Ongoing fee arrangements may be based on a Flat Fee or an Asset Scale Fee. These will be outlined in FSG Part 2.

Other Benefits We May Receive

Wealth-IQ has purely commercial relationships with several of Australia’s leading life risk and wealth management product providers. These companies may give Wealth-IQ or your financial adviser non-commission benefits such as entertainment or sponsorship up to a maximum value of $300 per annum. Both Wealth-IQ and your financial adviser maintain a Register to document any alternative forms of payment received. These registers are publicly available and must be provided within 7 days after request.

Complaints, Privacy & Compensation Arrangements

We always strive to provide quality advice and service and welcome any feedback that allows us to continue to improve our services.

What to Do If You Have A Complaint

We are committed to resolving your concerns. If you are not fully satisfied with any part of the service or advice for whatever reason, you should take the following steps:

Step 1: Contact your Adviser

If you have a complaint or are not satisfied with the advice or services provided to you, you should contact your Adviser in the first instance and discuss your concerns with them. Most complaints can be resolved quickly and fairly at this stage.

Step 2: Complaints Manager

If your complaint has not been resolved to your satisfaction, you can contact our Complaint Resolution Manager by:
PO Box 435, Highgate, SA, 5063
compliance@wealth-iq.com.au
+61(8) 8271 5427

Step 3: Australian Financial Complaints Authority (AFCA)

If you are not satisfied with our handling of your complaint or our decision, you may refer your complaint to the Australian Financial Complaints Authority (AFCA). The AFCA offers a free independent dispute resolution service for consumer and small business complaints.

Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001
info@afca.org.au
1800 931 678 (free call)
www.afca.org.au

Information about your rights can also be obtained from the Australian Securities and Investments Commission on 1300 300 630.

Our Compensation Arrangements

We have professional indemnity insurance cover in place and these arrangements comply with the requirements for compensation under the Corporations Act. Our professional indemnity insurance is subject to terms and exclusions and generally covers claims arising from the actions of our current and former employees or authorised representatives whilst they acted on our behalf.

Part Two - Bratton Wealth Pty Ltd

Version 1.0

This adviser profile is Part Two of the Wealth IQ Group Pty Ltd (“WIQ”) Financial Services Guide (FSG) dated 1/07/2024 and should be read in conjunction with Part One of our FSG dated 1/07/2024. Together these documents form the complete FSG.
The individual(s) listed in this FSG are authorised by Wealth IQ Group Pty Ltd to provide personal advice through Bratton Wealth Pty Ltd.

Authorised Representative Profile

Corporate Authorised Representative - Profile

Authorised Representative Name: Bratton Wealth

Authorised Representative Number: 1310157

Business Address: 322 Glen Osmond Road, Myrtle Bank SA 5064

Postal Address: As above

Phone: (08) 8338 3335

Email: admin@brattonwealth.com

Bratton Wealth Pty Ltd is a corporate authorised representative of Wealth IQ Group Pty Ltd.

Authorised Representative - Profile

Authorised Representative Name: Bradley Symes

Authorised Representative Number: 1240197
Mobile: +61405000490

Email: brad.symes@brattonwealth.com

Bradley Symes is an authorised representative of Wealth IQ Group Pty Ltd.

Authorised Representative Background

A founding director at Bratton Wealth, Brad began his Financial Advice career at over a decade ago at Morgan Stanley before leaving for Stellan Capital. Brad provides financial advice to high-net-worth families, helping to advise across all major listed asset classes including Fixed Interest, Global Equities, Private Equity and Alternatives. Brad graduated from The University of Adelaide with a Bachelor of Finance and holds a Master of Applied Finance from Kaplan Professional.
Brad Symes is authorised to provide advice in the following areas:

Basic and non-basic deposit products.
Life insurance.
Government debentures, stocks, and bonds.
Managed investment schemes including IDPS.
Margin Lending Facility – Standard Margin Lending Facility
Retirement Savings Accounts.
Securities
Superannuation including Retirement income stream products.

How to Contact Me

brad.symes@brattonwealth.com
0405 000 490

What are the Costs?

Your Authorised Representative may provide you with an initial meeting for which there is no charge. Further meetings including the preparation, implementation and ongoing advice will be charged by the method as outlined below. You may elect to be invoiced directly for these fees to be paid to WIQ or you may elect to have these fees deducted from your investments. An estimated cost of services will be provided to you before commencing any work.

You will be provided with an estimate of all applicable fees/costs once your needs and requirements have been understood and agreed. The work required may vary from fairly uncomplicated and straight-forward to overly complex and/or protracted. As you would expect, greater complexity involves more time and therefore more cost.

These fee options include:

Ongoing Fee Arrangements

An ongoing fee will be charged for advisory services provided by your financial adviser. This fee will be charged on a percentage basis on the balance of your portfolio with Bratton Wealth, billed monthly in arrears. The portfolio value will be calculated as a daily average of the portfolio on a specified reoccurring day. The fee deducted will be calculated using the below tier schedule, whereby different components of your portfolio value are applied different fees.

This in practice means that as your portfolio value grows, the effective fee percentage will reduce. For example, if a client’s portfolio value is $2,000,000, then the first $500,000 is applied a 1.2% fee, the following $999,999 is applied a 0.90% fee and the remaining $500,000 is applied a 0.85% fee.

Other Costs

All fees and commissions will be disclosed in your Statement of Advice.