Financial Services Guide
This FSG is issued on 25 September 2026, by:
Auxilliam Pty Ltd (“Auxilliam”)
(CAR No. 001321311, ABN 50 602 628 277)
As an authorised by Australian Financial Services Licensee:
ARC Wealth Pty Ltd (“Licensee”)
(AFSL 243270, ABN 44 068 201 963)
Documents that form part of this FSG
This Financial Services Guide (FSG) is an important document, which we are required to give you under the requirements of our Corporate Authorised Representative (CAR) status under the authorising Australian Financial Services Licence (AFSL) and the Corporations act 2001 (Cth). It provides you with information about Auxilliam to help you decide whether to use the financial services and products we provide.
Part 1 of this FSG provides you with important information on how to engage with Auxilliam as well as, Karen Vickers as an Authorised Representative of the Licensee. It contains information about us and:
- The financial services we are authorised to provide and the financial products to which those financial services relate.
- The process we follow to provide financial services to you.
- How we and our AFSL holder are paid.
- Any arrangements which may influence our advice to you.
- How we protect your privacy.
- Who to contact if you have a complaint or if you are not satisfied with the services provided and how you can access our internal and external dispute resolution procedures.
- Our Privacy Policy and information that we may request from you to provide you with advice and services that are appropriate to you.
- How we can be contacted.
Part 2 of the FSG contains information about your adviser(s) (referred to as Authorised Representatives) in relation to the following:
- their contact details;
- qualifications;
- experience; and
- any professional memberships they hold.
It also outlines the strategies and products that your adviser is qualified and authorised to provide advice on. It is important that you read each of the sections in Part 2 of the FSG in conjunction with all the sections in Part 1 of the FSG so that you can make an informed decision about whether to use the financial services we offer.
Part 1 and Part 2 of the FSG form the complete FSG which we are required to provide.
PART 1- FINANCIAL SERVICE GUIDE
WHO WE ARE
Three parties may be involved in providing financial services to you under this FSG: the licensee, the corporate authorised representative, and your adviser.
The Licensee
ARC Wealth Pty Ltd (Licensee) holds an Australian Financial Service Licence (AFSL No: 243270) issued by the Australian Securities and Investment Commission (ASIC). The Licensee is responsible for the financial services provided to you by Auxilliam and any other representatives under its licence.
Auxilliam, Corporate Authorised Representative
Auxilliam, is a corporate authorised representative of the Licensee and is authorised to provide the financial services on the Licensee’s behalf as described in this FSG.
Your Financial Adviser
Your individual adviser is authorised by the Licensee to provide the financial services described in this FSG. Their full details including their authorisations, qualifications and contact information are set out in the Part 2 of this FSG – Adviser Profiles.
Statement of Independence
While ARC Wealth, Auxilliam and its authorised advisers have your ‘Best Interests’ at heart when providing advice to you, it is important that you note that as fees may be received by the Licensee from the implementation or arranging of financial products, ARC Wealth, Auxilliam and its advisers are not deemed to be ‘independent’ within the meaning of the Corporations Act 2001 (Cth).
Compensation Arrangements
The law requires the Licensee to have arrangements in place to compensate retail clients for loss or damage they suffer from certain breaches of the Corporations Act 2001 (Cth) by the Licensee, Auxilliam or representatives. The Licensee has professional indemnity insurance that satisfies the obligations under section 912B of the Corporations Act 2001 (Cth).
OUR PROCESS
When we commence working with you, we take time to understand your current circumstances, your goals, your needs and what you are trying to achieve. We do this by:
Getting to Know You – We take time to understand your current situation so that we have a clear picture of your staring point.
Exploring Your Why – Understanding what is important to you and your drivers to make change, ensuring that we provide advice to you that is in your best interests.
Building Your Knowledge – Working with you to build your knowledge means that you become confident in making decisions and you know what questions to ask regarding your money.
Designing Strategies that Work for You – Not all strategies are the same and not all strategies work for everyone. It is important that your strategies are designed with your end in mind and are flexible regardless of changes to your situation.
Implementing Financial Products Relevant to Your Strategies – Not all strategies require the implementation of financial products, but where financial products are required, we provide recommendations and assist you to put in place the products to support your strategies.
Keeping on Track – Regular reviews and check ins are necessary to the success of your financial journey. It is important that you take time out to review your strategies and products so that relevant changes to your strategy and products are made as required.
Ongoing Support – Sometimes having someone on hand to talk through your money decisions with you will provide you with clarity and balance. We are here to provide coaching and mentoring so that the decisions you make are in line with your goals.
AUXILLIAM AND YOUR ADVISER
When you engage with a financial adviser in Australia, to provide financial advice they need to either hold their own AFSL or be authorised to provide advice through an AFS licensee.
The Licensee as an AFSL holder, authorises its advisers and provides a range of services and support to its advisers such as technical, software, educational and administrative resources to assist them in providing you advice. The Licensee’s advisers are also called Authorised Representatives.
FINANCIAL SERVICES AND THE FINANCIAL PRODUCTS
Auxilliam is authorised to provide financial product advice and to deal in a range of financial products on the Licensee’s behalf, limited to the following:
- basic and non-basic deposit products;
- debentures, stocks and or bonds issued or proposed to be issued by a government.
- life products including investment life insurance products as well as any products issued by a Registered Life Insurance Company
- interests in managed investment schemes including investor directed portfolio services.
- retirement savings accounts (“RSA”) products (within the meaning of the Retirement Savings Account Act 1997)
- interests in managed investment schemes including investor directed portfolio services
- superannuation
- securities
- standard margin lending facilities
- managed discretionary accounts
All our advisers are authorised by Arc Wealth to provide advisory services designed to help you create, manage, and protect your wealth so that you reach your money goals. Our advisers will provide you with the strategies and financial services and products below:
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Products |
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Approved Products
A range of financial products offered by many leading financial product providers are available for recommendation by us. Details of the available products we recommend are contained on the Approved Product List (APL).
You will only receive recommendations on products after consideration is given to your individual objectives, financial situation and needs. There may be circumstances that the recommended products are made on a product which is not on the APL. This recommendation will only be made if the recommended product has been fully investigated and is appropriate to your objectives, financial situation and needs.
Transaction Services
Should we need to complete a specific transaction, directed by you, on your behalf we may arrange to execute your instructions without providing you with personal advice. You can contact us directly with your instructions. We will only accept your instructions in writing with a valid signature or over the phone with voice recognition, stating that you have declined our offer of advice and that you understand any risk involved in your decision.
Your Adviser
Your adviser will provide you with an Adviser Profile when they provide you with this FSG. Their Adviser Profile is an important document that sets out the services they can provide you and exactly what types of financial advice and other services we have authorised them to provide. It will also contain details of their Authorised Representative number to enable you to find out details about them from the ASIC MoneySmart Financial Adviser Register.
How can you give instructions to your Adviser
You may specify how you would like to give us instructions. For example, you may nominate to instruct us to act by telephone, fax, email or by other means notified by us to you, from time to time.
DOCUMENTS YOU MAY RECIEVE
Letter of Engagement
After our initial meeting, you will receive a Letter of Engagement outlining the agreed Scope of Advice for Your Strategy Plan.
Your Strategy Plan
Your Strategy Plan will set out the strategies that you need to implement to achieve Your Goals. The strategies included will cover the following:
- Your Spending – this will cover the recommended changes for you to make so that you master your spending. The strategies may include strategies to enhance your income and/or also manage your expenses or outgoings.
- Your Debt – will cover what you need to do to manage the debt that you may be carrying and how to make debt work for you.
- Your Insurances – will cover what you need to implement to protect you, your family, and your possessions in the event of an unforeseen event occurring.
- Your Investments – will cover what you need to put in place to achieve your goals.
- Your Superannuation – will cover what you need to do to maximise the benefits that Superannuation can provide to you.
- Your Estate Planning – will cover what you need to implement to ensure that the wealth that you create is managed if you are unable to manage it yourself.
Your Statements of Advice (SoA)
Your SoA will set out what you need to implement and how to implement any recommended financial products, specific to you, that are appropriate to your strategies in Your Strategy Plan. The SoA will detail the fees and costs associated with the financial products and will also detail any benefits received by Auxilliam because of you implementing the recommended products. We will maintain a copy of the advice documents you receive for seven years.
Your Records of Advice (RoA)
You may receive RoAs if we provide advice to you, but your situation and circumstances have not significantly changed. We will maintain a copy of the advice documents you receive for seven (7) years.
Product Disclosure Statements (PDS) or Investor Directed Portfolio Services (IDPS)
When we recommend or arrange for a financial product to be issued to you, we will make available a Product Disclosure Statement (PDS) or an Investor Directed Portfolio Service (IDPS) Guide, where relevant. These documents contain the key features of the recommended product including its risks and benefits as well as the costs that you will pay to the product provider to professionally manage your investment or insurance. You should ensure that you read any warnings contained in Your Strategy Plan, Your Statements of Advice and the PDS or IDPS guide carefully before making any decision relating to the product.
AUXILLIAM’S REMUNERATION ARRANGEMENTS
The following explains the remuneration we may receive from the advice services provided to you.
Initial Fees for our Advice
Auxilliam charges fees that are payable upfront to plan and prepare Your Strategy Plan. In some circumstances these fees can be paid by payment plan. The fees charged encompass the preparation and delivery of Your Strategy Plan and Your SoA.
Ongoing Fee Arrangements
If your adviser has an ongoing fee arrangement with you, they are required to seek your written consent each year to continue the arrangement and to deduct ongoing fees from your account.
Your adviser will contact you around the anniversary of your arrangement to seek your consent. They will provide you with information about the services you’ll receive, the fees you’ll pay, and confirm that you can terminate the arrangement at any time. You have up to 150 days after your anniversary date to provide your consent.
If you do not provide written consent within the required timeframe, your adviser must stop charging fees and the arrangement will terminate. You always have the right to cancel your ongoing fee arrangement at any time by providing written notice to your adviser.
Additional Fees
Additional fees may be charged when work that is done for you is outside the ongoing service provided above. For example, additional fees may be charged when changes are made to strategies or further SoAs are required for the provision of advice. Again, we will obtain written consent from you prior to charging these additional fees and performing this additional work.
Payments from Life Insurance Products
Initial and ongoing commissions may be received by Auxilliam. These commissions are paid to Auxilliam by the Life Insurer that issues the product to you, as recommended by your adviser. The commissions vary and are based on the policy cost, which is the sum of the premiums you pay plus other fees that may be related to the product.
The initial commission is paid in the first year by the product issuer to Auxilliam. Ongoing commissions are payments paid by the product issuers to Auxilliam in subsequent years.
If there is an increase to your insurance cover Auxilliam may receive initial and ongoing commissions on the increase to the policy cost. The ongoing commission on the increase is only paid from the first anniversary of the increase. Conversely, if there is a decrease to your cover then the ongoing commissions to Auxilliam will reduce.
If the initial commission is equal to the ongoing commission as a percentage of your policy costs, Auxilliam may receive up to 20% (excluding GST) of your policy costs. If the initial commission is higher than the ongoing commission, then the maximum commission that Auxilliam may receive as initial commission is 60% of your policy cost and ongoing commission will be 20% of your policy costs.
Should you cancel any recommended life policies within twelve (12) months of implementation, any initial commission will be recovered from Auxilliam by the product providers, and we reserve the right to recover any costs from you to cover our out-of-pocket expenses.
Details of how your policy cost is calculated can be found in the relevant PDS we provide to you. You will also find details of the commission that Auxilliam receives if you decide to purchase a life insurance product in the relevant SoA or RoA.
Payment Methods
We receive payments for our services as:
- Your Wealth Strategy Program Fees which are paid directly, by you, the client;
- Commissions paid by product providers;
- Other payments paid by product providers; and
- Other benefits.
Details of any fees, commissions or other benefits that we, Auxilliam or other associated persons are entitled to receive, if you implement our recommendations, in relation to a specific financial product, will be disclosed to you in your SoA or RoA when personal advice is given.
Distribution of Fees to the AFSL Holder
The Licensee receives either a flat fee or may retain between 0% -25% of Auxilliam’s fees and of all adviser remuneration, plus a professional indemnity insurance fee for the provision of services required under its AFSL.
Payments to Other Professionals
A third party may receive a fee should you be referred to us by the third party. Any referral fee that we pay will be disclosed to you in your SoA or RoA.
Payments from Other Professionals
You may be referred to an external professional service to receive further specialist advice. Any referral fee or commission received for introducing you to the specialist will be disclosed in your advice documents.
Other benefits
Sometimes in the process of providing advice and other financial services, Auxilliam or your adviser may receive benefits from product providers such as sponsorship of events, subsidised educational conferences, rebates, bonuses, preferred product rates or other fees.
Non-monetary benefits
These benefits are discretionary in nature and relate to future events. It is therefore not possible to provide an estimated dollar value on these benefits at this point in time.
Advisers may receive benefits from associated Licensee companies or product providers such as:
- Educational conferences and seminars;
- IT software or support; and
- Non-monetary benefits such as business lunches, tickets to sporting and cultural events, or other minor benefits.
However, these benefits cannot be accepted on a frequent or regular basis or over the value of $300. Each adviser must keep a register of benefits received. If you would like to see a copy of our registers, you can contact us or your adviser directly.
How do we protect your privacy?
Auxilliam is committed to protecting your privacy. The purpose of our Privacy Policy is to ensure that you understand the ways in which we collect, maintain use, and disclose your personal information and how we comply with the Australian Privacy Principles.
We and your adviser maintain a record of your personal profile that includes, your personal information, details of your investment objectives, financial situation and needs.
We and your adviser also maintain records of any recommendations made to you. If you wish to examine your file, you should ask your adviser (or us) so arrangements can be made for you to do so.
We are committed to implementing robust procedures which will reasonably ensure the privacy and security of your personal information. Our Privacy Policy is available on our website.
REPORTING YOUR CONCERNS
If at any time you are not satisfied with the advice you receive or any other aspect of the service provided by Auxilliam or your adviser, you should take the following steps:
- Contact your adviser, in writing, and advise them about your complaint.
- We will acknowledge your complaint within one business day or as soon as practicable.
- If your complaint is not satisfactorily resolved within five (5) days, we are required to provide an internal dispute resolution response to you.
- You may contact our Complaints team by sending your complaint in writing to karen@auxilliam.au stating your name, detailing the nature of your complaint and any dates associated with your complaint.
- We will try to resolve your complaint quickly and fairly. We will provide an IDR response to you within thirty (30) days of your complaint.
- If you are dissatisfied with the outcome, you have the right to lodge a complaint with the Australian Financial Complaints Authority, an approved external dispute resolution scheme, of which ARC Wealth Pty Ltd, the Licensee is a member.
Australian Financial Complaints Authority (AFCA)
Mail: GPO Box 3, Melbourne VIC 3001
Phone: 1800 931 678
Website: www.afca.org.au
Email: info@afca.org.au