Our Fine Print
Financial Services Guide
Our Financial Services Guide (FSG) is an important document to help you understand the financial services we are able to offer you. Its purpose is to educate you, prior to a financial service being provided, on certain matters such as:
- who we are and how we can be contacted;
- what services and products we are authorised under our licence to provide to you;
- how we (and any other relevant parties) are paid; and
- who to contact should you have a complaint. If you choose to use our services you may also receive from us a Product Disclosure Statement (PDS) or other type of Offer Document. The PDS or offer document contains information about the particular product and will assist you in making an informed decision about that product.
This site and the data contained in it are supplied solely for informational use. Apart from any fair dealing for the purpose of private study, research, criticism or review, as permitted under the Copyright Act, no part may be reproduced or re-used for any purpose whatsoever without written permission of JBS Financial Strategists Pty Ltd. However, users may download information for their own private use.
The information contained or referred to in this website has been compiled for the convenience of customers and prospective customers, looking for information about JBS Financial Strategists Pty Ltd and the services we provide. We have taken all reasonable care in preparing and presenting this information, but we cannot warrant that it is complete and/or accurate in all respects or fully up to date. JBS Financial Strategists Pty Ltd, shall not be responsible for any eventualities arising from the use of the information in this web site for any purpose whatsoever.
The new Spam Act, which came into effect on 10 April 2004, is aimed at reducing the number of unsolicited emails and other electronic communications.
You may currently be on our database to receive email newsletters, updates, offers, invitations and other communications from us. If you do not want to receive emails in the future from JBS, please send an email to email@example.com indicating that you no longer want to be contacted via email and your electronic address will be removed from our database.
The information contained in your email from JBS may be privileged and confidential. If you are not the intended recipient you must not disseminate, copy or take any action in reliance on it, and we request that you notify us immediately via email. Any views expressed in an email message are those of the individual sender, except where specifically stated otherwise.
Email may not be a safe method of communication and you must assess the risks associated with this type of communication. There is no warranty that an email is error or virus free. JBS is not liable if an attachment is altered without its consent. If we suspect that an email may be virus-infected, it may not reach its intended recipient to ensure the security of the JBS network. If you are concerned by this please request confirmation of receipt within the body of your email and resend the email if the confirmation is not received within a reasonable time.
As a financial planning organisation, we are subject to certain legislative and regulatory requirements that necessitate us obtaining and holding detailed information which personally identifies you and or contains personal information. In addition, our ability to provide you with a comprehensive financial planning advice service is dependent on us obtaining personal information about you. The type of information we will ask you to provide will include;
- Personal information about you and your family and health details.
- Employment details and employment history.
- Details of your financial goals and objectives.
- Details of your current financial circumstances, including your assets and liabilities, income, expenditure, insurance.
- Details on your existing insurance cover and superannuation funds
- Details of your investment preferences and aversion or tolerance to risk.
- Details of your Estate Planning arrangements.
- Details of your social security eligibility.
We will only collect, maintain and use Personal Information about you if it is necessary for us to adequately provide to you the services you have requested including:
- The preparation of your financial plan.
- The provision of financial planning advice.
- Making recommendations about securities, investments and risk products.
- Reviewing your financial position.
- Reviewing recommendations.
- Provision of insurance advice and recommendations.
Failure to provide personal information may expose you to high risks in respect of the recommendations and may affect the adequacy or appropriateness of advice. We may also choose not to provide any advice if you do not supply information required to assess your situation and needs.
Use and Disclosure
We will not use or disclose Personal Information collected by us for any purpose other than the purposes for which it was provided or secondary related purposes in circumstances where you would reasonably expect such use or disclosure; or where you have consented to such disclosure.
We are required under the Rules of Professional Conduct of the Financial Advice Association Australia (FAAA) and the SMSF Professionals’ Association of Australia (SMSFA) to make certain information available for inspection by the each of the above and/or a relevant third party on request to ensure ongoing compliance with professional standards, relevant legislation and ensure best practice is adopted in our business. This may involve the disclosure of your personal information. We are also obliged pursuant to the Corporations Act to maintain certain transaction records and make those records available for inspection by the Australian Securities and Investments Commission.
In order to fulfil the purposes set out above we may provide access to your personal information to third parties with which we have a business relationship, for example those who maintain and update our database.
We will at all times seek to ensure that the personal information collected and held by us is protected from misuse, loss, unauthorised access, modification or disclosure. At all times your personal information is treated as confidential and any sensitive information is treated as highly confidential. All computer-based information is protected through the use of access passwords and 2FA on each computer. Data is backed up daily by Microsoft and Iress. The limited paper files we do store are kept in a lockable cabinet, allowing only authorised representatives access.
JBS may use various electronic methods to communicate and provide personal information with you. We acknowledge, in accordance with the Electronic Transactions Act (1999), that any information we collect is stored securely for record keeping purposes by our JBS advisers and team members.
Access to Your Personal Information
You may at any time, by contacting JBS by any of the methods detailed below, request access to your personal information. We will provide you with access to that information either by providing you with copies of the information requested, allowing you to inspect the information requested or providing you with an accurate summary of the information held.
We will endeavour to ensure that, at all times, the personal information about you which we hold is up to date and accurate. In the event that you become aware, or believe that any Personal Information is inaccurate, incomplete or outdated, you may contact us by any of the methods detailed below. There may be occasions where we refuse access to your personal information . If we refuse access we will advise you of our reasons for doing so.
JBS Financial Strategists Pty Ltd (JBSFS)
JBS Financial Strategists Pty Ltd
P O Box 7441
Melbourne VIC 3004
T: (03) 8677 0688
JBS Financial Strategists Pty Ltd (JBSFS) ABN 34 088 771 528 is the holder of an Australian Financial Services Licence (No 486674) under which JBSFS is authorised to carry on a financial services business which includes the provision of financial product advice and dealing in financial products. JBS Financial Strategists (JBS) is a Corporate Authorised Representative No.252571 of JBS Financial Strategists Pty Ltd, an Australian Financial Service Licence holder (No 486674).
Jenny Brown (250844), Warren Hanna (306070) and Peter Folk (1264658) are all Sub Authorised Representatives of JBS. JBS Financial Strategists provide Financial Planning, Retirement Planning & Superannuation Advice, Self Managed Super Funds, Complete SMSF Admin, Compliance & On-Line Reporting Services, Investment Portfolio Construction – Individually Designed & Managed Direct Share Portfolios, and Risk Management/Personal Insurance advice only as Authorised Representatives of JBS Financial Strategists Pty Ltd (JBSFS).
Daniel Santopietro – Currently undertaking Professional Year
Is a Provisional Financial Adviser and Authorised Representative (1300870) with JBS. He holds a Bachelor of Business (Financial Planning and a Bachelor of Business (Accounting). Daniel holds accreditation in SMSF. Daniel is completing his Professional Year and passed the Financial Adviser exam.
As part of the requirement, Daniel will undertake 1500 hours of supervised work experience with an additional 100 hours of structured training.
During his Professional Year, he will be supervised and supported by Peter Folk who will be accountable for the advice Daniel provides.
FASEA Representative No. 20202384 of JBS Financial Strategists Pty Ltd
Supervised by Peter Folk Authorised Representative (1264658)
Kaitlin Mifsud – Currently undertaking Professional Year
Is a Provisional Relevant Provider and commenced her Professional Year with JBS Financial on the 22nd of March 2023 which will see her complete the new industry entrant requirement prior to becoming a qualified Financial Adviser.
Mid-way through the Professional Year and after passing the Financial Advisers exam, she will be authorised by JBS Financial Strategists as a Provisional Financial Adviser.
As part of the requirement, Kaitlin will undertake 1500 hours of supervised work experience with an additional 100 hours of structured training.
During her Professional Year, she will be supervised and supported by Peter Folk (Authorised Representative 1264658), who will be accountable for the advice Kaitlin provides
We are committed to providing clients whose personal information we held, a fair and responsible system for the handling of their complaints. Our complaints handling procedures can be found in our Financial Services Guide. Should you have a complaint, please direct all concerns to our CEO.
P O Box 7441
Melbourne VIC 3004
T: (03) 8677 0688
- We will acknowledge your complaint within 24 hours of receipt if practicable to and we will try and resolve your complaint quickly and fairly.
- If you need additional assistance to lodge a complaint, please use any of the above methods to contact us and we can engage accessibility services such as interpreters if required or we can assist you.
- If the complaint can’t be resolved to your satisfaction within 30 days, you have the right to refer the matter to the Australian Financial Complaints Authority (‘AFCA’). JBS Financial Strategists Pty Ltd is a member of AFCA. AFCA can be contacted on:
Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001
1800 931 678
Where we need more time (for example due to complexity or difficulties investigating your complaint), we will write to you to let you know that we need more time, the reasons why and that you have the right to refer the matter to the AFCA is you are dissatisfied.
If at any time you have any complaints in relation to privacy, please contact our privacy officer. We will seek to address any concerns you have through our complaints handling processes, but if you wish to take matters further you may refer your concerns to the Office of the Federal Privacy Commissioner.
General Advice Disclaimer
This information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your JBS Financial Strategists (JBS) Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither JBS Financial Strategists nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.