• Before you get advice
  
• When you get advice
  
• Privacy
  
• If you have any concerns about our services
  
• More Information

Who is my adviser?

Your adviser is a representative of Camwal Ltd trading as Cameron Walshe. Your adviser's profile can be obtained from the adviser or their office. Cameron Walshe is responsible for the advice and conduct of your adviser in respect to any advice provided to you under the authority we issue to them.

The Financial Services Guide contains important information about:

• The services we offer you.
• How we and our associates will deal with you.
• Any potential conflict of interest we may have.
• What to do if you have a concern.

What financial services are available to me?

Cameron Walshe provides advice in the following areas:

• Wealth accumulation.
• Asset allocation.
• Investment selection.
• Investment administration.
• Superannuation.
• Investment gearing.
• Taxation planning.
• Retirement planning.
• Redundancy planning.
• Centrelink.
• Estate planning.
• Salary packaging.
• Risk insurance.
• Aged Care.
• Self Managed Super Funds.

Your adviser may specialise in particular areas, and hence may restrict their advice to this specialty. Their Adviser Profile will set out the areas in which they provide advice.

What will your adviser do:

• Provide you with advice to the best of their ability, and deal with you efficiently, honestly and fairly.
• Recommend only products approved by Cameron Walshe to help you meet your objectives.
• Only implement strategies once you have agreed they are appropriate for you.
• Consider any tax implications relating to recommendations made.
• Provide their advice to you in a written Statement of Advice (SOA). This SOA will include strategies, product recommendations, details of fees and remuneration and provide relevant warnings where appropriate.
• Provide you with a Product Disclosure Statement (PDS) when necessary for each product recommended. Each PDS provides information on the product your adviser recommends.

What your adviser will NOT do:

• Advise on products not approved by Cameron Walshe.
• Ask you to sign blank documents.
• Take cash from you.
• Ask you to make out cheques payable to the adviser. When you invest or contract for insurance, cheques should be made out to the product providers. Where you agree to pay us a fee for services, cheques should be made out to Cameron Walshe.

What we expect of you:

To help us provide you with appropriate advice that remains current for you, and to protect you, please:

• Tell us what we need to know so we can accurately assess your situation and provide advice accordingly.
• Keep us updated on any changes to your circumstances.
• Do not make any payments for investments, contracts or fees ‘made payable’ to your adviser.
• Do not sign blank forms.

When you get advice

Do I receive advice in writing?

Yes. But to provide that advice, we need to find out your goals, financial situation and needs before we recommend any investments or life insurance products to you. You have the right not to divulge this information to us if you do not wish to do so.

However, if you do not provide full information, we are not able to take your full circumstances into account, and therefore may not be able to provide the full advice you need.

We will warn you about the possible consequences of us not having your full details. Your adviser will draw your attention to these warnings and you should read them carefully.

What should I know about any risks associated with the investments or investment strategies you recommend to me?

Your adviser will explain to you any significant risks relating to the investments and strategies recommended to you. Should your adviser fail to explain these risks, you should ask them to do so.

What information do you maintain in my file and can I examine my file?

We maintain a record of your investment objectives, financial situation and needs. We also maintain records of any recommendations made to you. If you wish to examine your file you should ask your adviser who will make arrangements for you to do so.

Can I choose how to communicate my instructions to you?

Yes. You may specify how you would like to give your adviser instructions.

Privacy

Cameron Walshe holds personal information about you. We hold this information in accordance with our obligations under the Privacy Act. The information has been and will continue to be collected by us for the purpose of providing you with the financial services outlined in this Guide. We are required by the Corporations Act and the Australian Securities & Investments Commission, to collect this information about you for the purpose of providing you with our services.

If you do not provide us with the information requested by us, we may not be able to provide you with the services you require. We may be required from time to time to disclose information about you to representatives of Cameron Walshe, other companies within the Suncorp Group and other professionals, insurance providers, superannuation trustees and product issuers to provide our services and to arrange for the issue of Financial Products.

In the event that the adviser proposes to sell their business we may disclose your personal information to potential purchasers for the purpose of their conducting due diligence investigations. Any such disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by them. In the event that a sale of the adviser's business is affected, we may transfer your personal information to the purchaser of the business. You will be advised of such a transfer.

You are entitled to obtain access to the information about you by contacting our National Dealer Operations Manager on our toll free number 1800 687 620.

If you have any concerns about our services

If you have any concerns about the service provided, you should take the following steps.

1. In the first instance, you should contact your adviser to discuss your concerns.
2. If your concerns are not satisfactorily resolved within five days, please contact our National Dealer Operations Manager on our toll free number 1800 687 620.
3. If we are unable to satisfactorily resolve your concerns, then you may refer the matter to:

The Financial Industry Complaints Service
PO Box 579, Collins St West, Melbourne, Vic 8007
(Ph) 1800 335 405

More Information

The Financial Services Guide sets out the important principles of our relationship with you. Your adviser can provide more details about the basis of the advice and services they can provide to you. Importantly, your adviser cannot change the terms set out in this Guide unless agreed to by you and approved by us in writing to you.

If you have any questions about our relationship with you or our services, please contact your adviser in the first instance.