Client Resources
This page contains key documents, disclosures and information for GCFA clients and prospective clients — everything you need to understand how we work, what your rights are as a financial advice client in Australia, and where to turn if you have a concern.
Key Documents
The FSG explains the services GCFA is authorised to provide, how our advisers are remunerated (including commission arrangements on risk insurance products), how to make a complaint, and your rights as a financial services client. You should receive and read the FSG before GCFA provides you with personal financial advice.
Each GCFA adviser has a formal Adviser Profile (or Profile Document) that sets out their qualifications, training, experience, authorisations and any relevant associations or interests. Adviser Profiles are provided as part of the Statement of Advice process.
Our Privacy Policy explains how GCFA collects, holds, uses and discloses your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
If you have a complaint about GCFA or advice you have received, we want to hear from you. Our complaints process is explained in detail on our Complaints page, including how to escalate to AFCA if needed.
Your Rights as a Financial Advice Client
As a retail client receiving personal financial advice in Australia, you have important legal rights under the Corporations Act 2001 (Cth) and the financial services regulatory framework administered by ASIC.
Right to a Financial Services Guide — before receiving personal advice, you are entitled to receive a Financial Services Guide that explains the services available, how advisers are remunerated, and how complaints are handled.
Right to a Statement of Advice — when GCFA provides personal advice that takes into account your individual circumstances, you are entitled to receive a written Statement of Advice that documents the recommendations, their basis, and the costs and any conflicts of interest involved.
Right to disclosure of conflicts of interest — GCFA is required to disclose any remuneration arrangements, relationships or interests that could reasonably be expected to influence the advice provided.
Right to external dispute resolution — if your complaint cannot be resolved through GCFA’s internal complaints process, you have the right to access the Australian Financial Complaints Authority (AFCA) at no cost to you.
Useful External Links and Resources
- Australian Financial Complaints Authority (AFCA) — free external dispute resolution for financial services complaints, including complaints about financial advice, insurance claims and superannuation
- MoneySmart (ASIC) — independent financial information, tools and calculators from Australia’s financial services regulator
- ATO Superannuation — official Australian Tax Office information on superannuation rules, contribution caps and SMSF obligations
- Age Pension — Services Australia — current Age Pension rates, eligibility conditions and assets and income test information
- ASIC Financial Advisers Register — verify the licensing and authorisation of any financial adviser in Australia, including GCFA advisers
About GCFA’s Licensing
GCFA Pty Ltd is a Corporate Authorised Representative (No 1317284) of Wealth Today Pty Ltd AFSL 340289. Wealth Today Pty Ltd holds Australian Financial Services Licence number 340289, which authorises it and its authorised representatives to provide financial product advice and other financial services as specified in the licence. You can verify Wealth Today’s licence and GCFA’s authorisation on the ASIC Financial Advisers Register at asic.gov.au.
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Understanding Statements of Advice
A Statement of Advice (SOA) is the formal document GCFA provides when giving personal financial advice — advice that takes your individual circumstances into account. The SOA sets out the specific recommendations, the basis for each, costs associated with implementation, and any relevant conflicts of interest. You are entitled to receive an SOA before any advice is implemented. Read it carefully. If any recommendation is unclear, ask us to explain further before signing an authority to proceed.
How to Make a Complaint
If you have a concern about GCFA or advice you have received, contact us directly — by phone on 07 5655 6194 or by email at email hidden; JavaScript is required. We acknowledge complaints within one business day and aim to resolve them within 30 days. If not resolved to your satisfaction, you have the right to escalate to the Australian Financial Complaints Authority (AFCA) — a free, independent external dispute resolution service — at afca.org.au or 1800 931 678. See our Complaints page for the full process.
ASIC Financial Advisers Register
Before engaging any financial adviser in Australia, verify their licensing at asic.gov.au/check. GCFA advisers are registered under Wealth Today Pty Ltd AFSL 340289. The register confirms qualifications, authorisations and any relevant compliance history. It is a useful step for any client making a decision about who to engage for advice.
The ASIC Financial Advisers Register at asic.gov.au/check allows you to verify any financial adviser’s licensing and qualifications before engaging them. Search by name or by the AFSL number — Wealth Today Pty Ltd AFSL 340289 — to confirm GCFA advisers’ registrations. The register shows qualifications, the services advisers are authorised to provide, and any compliance history. Checking the register is a straightforward due diligence step that GCFA actively encourages prospective clients to take.
MoneySmart at moneysmart.gov.au is an excellent resource for building financial literacy alongside advice from GCFA. It is produced by ASIC and covers superannuation basics, investment fundamentals, insurance explainers and retirement income tools in plain English, without product recommendations or conflicts of interest. The GCFA advice process is designed to complement your own growing understanding of these topics — not to replace it.