Important documents you can expect to receive
Financial Services Guide
The Financial Services Guide (FSG) explains the financial services provided by Solace Financial and your adviser (who is authorised through Solace). It is designed to help you make a fully informed decision about whether you want to use our services.
It’s also important that you know who authorises your adviser, the nature of their associations and relationships and what to do if you have a complaint. If you have further questions, or if there is anything that isn’t clear, please talk to your adviser or contact us.
A copy of your adviser’s current and previous FSG can be found here,
Statement of Advice/ Record of Advice
When your adviser provides personal financial advice for the first time, you will generally be given a Statement of Advice (SoA). The SoA sets out your personal advice, the basis on which it is given, the cost of the advice, and information about any associations or relationships that could influence the advice.
If you require further advice at a later time, providing your circumstances have not changed significantly since your previous SoA, your adviser may be able to provide the further advice verbally or via a shorter Record of Advice (RoA). If you are given verbal advice, your adviser will document the discussion and a copy of this record can be made available to you on request. If you are given further advice and your circumstances have changed significantly since your previous SoA, you will generally be given another SoA.
To help you make an informed decision about a financial product, you will generally be given a Product Disclosure Statement (PDS) which outlines the product features and costs in detail. In certain circumstances, there is no requirement to provide a PDS (including, for example, where you already have one).
How to make a Complaint
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, send us an email or put your complaint in writing to our office. You can direct your complaint to the Chief Operating Officer.
We aim to resolve complaints immediately. Where this is not possible, we will acknowledge the receipt of your complaint within 48 hours. We will then explain our process to resolve your complaint and tell you who will handle your complaint.
If you are not satisfied with our response after 30 days, you can lodge your complaint with the Australian Financial Complaints Authority. You can contact AFCA on 1800 931 678 or via their website www.afca.org.au. AFCA provides fair and independent financial services complaint resolution which is free to consumers.
Terms and Conditions – Security and privacy statement.
Security & Privacy
The information contained on this web page is for discussion purposes only, is of a factual nature and is not intended to constitute financial product advice. It does not take into considering your individual objectives, financial situation or needs. You should consider its appropriateness in light of your circumstances and consider seeking professional advice relevant to your individual needs before making a decision based on this information.
Our advisers are licenced by SFDS Pty Ltd ABN 69 626 587 817, AFSL 509493. All of our advisers are Responsible Managers of SFDS Pty Ltd.
Acceptance and changes to terms and conditions
You agree that your use of the Solace Financial website indicates your acceptance of these terms and conditions and the privacy and security statement. These are the current terms and conditions. Solace Financial may at any time vary the terms and conditions by publishing the varied terms and conditions on the Solace Financial website. You accept that by doing this, Solace Financial has provided you with sufficient notice of the variation. Solace Financial reserves any rights not expressly granted in these terms and conditions.
Access for persons from Australia only
Solace Financial is not authorised to carry on business in any jurisdiction other than Australia. Accordingly, the information contained in this website is directed to and available for Australian residents only.
General information only
The information on this website is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. It should not be construed as financial, taxation or legal advice. Before acting on the basis of this information, you should consider its appropriateness to your own objectives, financial situation and needs. You should also obtain and read a copy of the relevant Product Disclosure Statement before making any decision to acquire a financial product.
Accuracy of information and limitation of liability
Solace Financial does not warrant the accuracy, completeness or currency of information made available through this website. Solace Financial will not be liable for or in connection with any loss or damage arising from any inaccuracies, errors or omissions in information made available through this website. However, Solace Financial will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred. Solace Financial makes no warranty that the use or operation of this website will be uninterrupted or error-free or that the website is suitable for any particular purpose or has any performance, functionality or security features except as Solace Financial is required to provide by law. To the extent permitted by law, Solace Financial’s liability is limited to resupplying the services accessible through this website.
Solace Financial and related logos are trademarks registered in Australia. Copyright in the information provided on, and available from, this website is owned by Solace Financial. You may not alter or modify this information in any way. This information may be viewed online and may be reproduced in hard copy only for your personal reference. You may only use the trade marks and copyright material on this website with Solace Financial’s express permission and in accordance with Solace Financial’s directions from time to time. The use of, and creation of links to, this website (including use of Solace Financial trade marks and copyright material) are at the risk of the user and are subject to Solace Financial’s rights and the user’s general legal obligations. Solace Financial makes no warranty and accepts no liability in relation to use of the trademarks outside Australia. For further information about creating links to this website and about using Solace Financial trademarks and other material, contact Solace Financial on 1800 024 864.
Links to other websites
This website may have links to other websites, which are operated by third parties. Solace Financial does not endorse or approve the information, graphics and materials that may be contained on those websites. Furthermore, Solace Financial does not make any warranties or representations regarding the accuracy, quality or timeliness of such third-party information. Hence, Solace Financial advises that you do not act on the information contained within these websites without obtaining independent legal advice.
Users of this website covenant that all disputes will be governed by and construed in accordance with the laws of the state of Queensland, Australia, and all users and Solace Financial submit to the non-exclusive jurisdiction of the courts of that state.