Financial Services
Version: 7 – 24 September 2021

Licensee:
Intrinsic Private Wealth Management Pty Ltd (AFSL 480872 / ACN 608128589)
Level 36, 1 Macquarie Place
Sydney NSW 2000
PH: 02 9615 4500

Authorised Representatives:
MTR International Pty Ltd as trustee for MTR International Unit Trust trading as Intrinsic Private Wealth (ASIC # 1253299) (ACN 103888204)

Justin Mulcahy (ASIC #259278)
Ray Lenton (ASIC #259389)

Authorised Representatives act on behalf of Intrinsic Private Wealth Management who is responsible for the services that they provide.

Level 36, 1 Macquarie Place
Sydney NSW 2000

Purpose of this FSG
This FSG will help you decide whether to use the services that we* offer. It contains information about:

• The services we offer and their cost
• Any conflicts of interest which may impact the services
• How we are remunerated
• How we deal with complaints if you are not satisfied with our services.

* In this document ‘we’ refers to the Authorised Representatives listed above.

Intrinsic Private Wealth Management
Intrinsic Private Wealth Management holds an Australian Financial Services Licence. It is required to comply with the obligations of the Corporations Act and the conditions of its licence.

This includes the need to have adequate compensation arrangements in place with a Professional Indemnity insurer for the financial services that it and its current and past representatives provide.

Our services
We are authorised to provide personal advice, general advice and dealing services in the following areas:

• Superannuation and SMSF
• Retirement planning
• Portfolio management
• Personal risk insurance
• Managed investments
• Securities
• Derivatives
• Margin lending

The financial advice process
We recognise that the objectives and personal circumstances of each client are different.

Where we provide personal advice, we will listen to you to understand your objectives and circumstances. We will also ask questions to make sure we provide advice which is in your best interests.

When we first provide personal advice to you it will be explained thoroughly and documented in a Statement of Advice which you can take away and read.

The SoA will explain the basis for our advice, the main risks associated with the advice, the cost to you of implementing the advice, the benefits we receive and any conflicts of interest which may influence the advice.

For administration platforms, managed funds and personal risk insurance products we will provide you with a Product Disclosure Statement.

This contains information to help you understand the product being recommended.

At all times you are able to contact us and ask questions about our advice and the products we recommend.

You can provide instructions to us in writing, via phone or via email. In some cases, we may require you to provide signed instructions.

 We may provide further advice to you to keep your plan up to date for changes in your circumstances, changes in the law and changes in the economy and products.

If we provide further advice it will be documented in a Record of Advice which we retain on file. You can request a copy of the RoA document at any time up to 7 years after the advice is provided.

Fees
All fees are payable to Intrinsic Asset Management.

Initial Advice Fee
The initial advice fee includes meeting with you, the time we take to determine our advice and the production of the SoA. It is based on the scope and complexity of advice provided to you. We will agree the fee with you before providing you with advice.

If you decide to proceed with our advice, we may charge an Implementation fee for the time we spend assisting you with implementation. We will let you know what the fee will be in the SoA.

Annual Advice Fee
Our annual fee depends on the services that we provide to you. It will be charged as a % of your portfolio value and is paid monthly. This fee will be agreed with you each year.

Transaction Fees
We may also charge a transaction fee for share trades. This will be based on the value of each transaction with a minimum fee. We will let you know what the fee will be prior to each trade.

Intrinsic receives its share of trade fees from FinClear Services Pty Ltd ACN 60 136 184 962 | AFSL No.338264 (FinClear) after clearing and execution related costs have been deducted. To view FinClear’s FSG, please visit our website: www.intrinsicprivatewealth.com.au

Commissions
We operate on a fee for service basis and do not receive commissions from product providers.

Other Benefits
We may receive other benefits from product providers such as training, meals and entertainment. Details of any benefits received above $100 will be maintained on a register which is available to you on request.

Adviser Remuneration
Justin and Ray are beneficiaries of the trust which owns the practice. They are remunerated through the profits that the practice makes.

Making a Complaint
We endeavour to provide you with the best advice and service at all times. If you are not satisfied with our services, then we encourage you to contact us. Please call us or put your complaint in writing to our office.

If you are not satisfied with our response you can refer it to the Australian Financial Complaints Authority. You can contact AFCA on 1800 931 678 or via their website www.afca.org.au. This service is provided to you free of charge.

Your Privacy
We are committed to protecting your privacy.

We have a Privacy Policy which sets out how we collect, hold, use and disclose your personal information. Our Privacy Policy is available on request and on our website.