Financial Services Guide

15 August 2022

Talking Wealth Pty Ltd ABN 47 654 499 082, corporate authorized representative, number 001296036, trading as Talking Wealth, is authorized to provide financial services on behalf of Wealth Within Limited, AFSL 226347.

This Financial Services Guide (FSG) is an important document which Talking Wealth ('we', 'our' or 'us') is required to give to retail clients. This FSG is intended to inform you of certain matters relating to our relationship to assist you in deciding whether to use any of the services Talking Wealth is authorised to provide. The matters covered by this FSG include:

• who is Talking Wealth and how can we be contacted,

• what services and types of products is Talking Wealth authorised to provide to you

• how Talking Wealth and other relevant parties are remunerated,

• how we will deal with your personal information,

• details of our internal and external dispute resolution procedures and how you can access them, and

• the compensation arrangements we have in place.

About Talking Wealth

Talking Wealth provides a personalized subscription and pay on demand streaming service that allows our members to access content over the Internet through the use of connected devices such as TVs and computers. We provide our services through a number of different mediums including our website (Talking Wealth Website), applications (Talking Wealth Apps) and associated content and services available through Talking Wealth (www.talkingwealth.com).

How you can contact us?

You can contact us by:

• calling Talking Wealth toll free on 1800 720 800 in Australia or +1 833 615 1683 in the US

• visiting our website www.talkingwealth.com

• writing to us at Talking Wealth Pty Ltd Level 1, 530 Little Collins Street Melbourne VIC 3000

• emailing us at info@talkingwealth.com

What financial products and services are you authorised to provide?

Talking Wealth is currently authorised to:

Provide general financial product advice for the following classes of financial products:

• deposit and payment products;

• derivatives;

• interests in managed investment schemes including investor directed portfolio services;

• retirement savings accounts ("RSA");

• securities;

• superannuation; and

• standard margin lending

Deal in a financial product by:

• Issuing, applying for, acquiring, varying or disposing of a financial product in respect of the following classes of financial products:

  • derivatives; and

  • interests in managed investment schemes limited to own managed investment scheme only; and

• Applying for, acquiring varying or disposing of a financial product on behalf of another in respect of the following classes of products:

  • deposit and payment products;

  • derivatives;

  • interests in managed investment schemes including investor directed portfolio services;

  • retirement savings accounts ('RSA');

  • life risk products limited to:

    • life risk insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds;

  • Interests in managed investment schemes including investor directed portfolio services;

  • Retirement savings accounts ('RSA');

  • Securities;

  • Superannuation; and

  • Standard margin lending.

to retail and wholesale clients.

General advice warning

Any financial product advice we provide is general advice only and does not take into account your personal objectives, financial situation or needs.

Before acting on any such general advice, you should consider the appropriateness of the advice having regard to your situation. We recommend you obtain independent financial, legal and taxation advice before making any financial investment decision.

Remuneration we receive

Talking Wealth receives subscription fees for the provision of financial services to you.

What commissions, fees or other benefits are received?

Talking Wealth staff receive a salary. Talking Wealth staff may also receive bonuses having regard to standards of service to clients and feedback from them and reaching a range of personal performance targets.

Personal information

The privacy of your personal information is important to us. All personal information is dealt with in accordance with our Privacy Policy. Our Privacy Policy details how we comply with the Privacy Act in the handling of your personal information. You can obtain a copy of our Privacy Policy through our website www.talkingwealth.com or by calling Talking Wealth directly.

We aim to ensure that personal information we retain about you is accurate, complete and up-to-date. Accordingly, if you have any concerns about the completeness or accuracy of the information we have about you or would like to access or amend your information, simply call us or send an email to the contact details above.

Complaint resolution procedures

If you have a complaint, you can contact us to discuss your complaint.

Alternatively, please contact the Complaints Manager of our Licensee using any of the contact details below.

National: 1800 720 800
Local: +613 9290 9977

Email: info@talkingwealth.com

In Writing:

Wealth Within Limited
Level 1, 530 Little Collins Street
Melbourne VIC 3000

Wealth Within will attempt to resolve your complaint quickly and fairly.

If the complaint is not resolved internally to your satisfaction within 30 days then you are entitled to refer the complaint to the Australian Financial Complaints Authority of which Wealth Within Limited is a Member, the contact details of which are as follows:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001

Telephone: 1800 931 678
Email:info@afca.org.au

Compensation arrangements

We have arrangements in place to maintain adequate professional indemnity insurance as required by s912B of the Act. This insurance provides cover for claims made against us and our representatives, including claims in relation to the conduct of representatives who no longer work for us but who did so at the time of the relevant conduct.