This Financial Services Guide ('FSG') is provided by Zaved Karim, Principal Financial Adviser at Zaved & Associates Financial Services ('Zaved & Associates', 'we', 'us', 'our'), as an Authorised Representative (ASIC Number: 001255173) of AMO Financial Solutions Pty Ltd ABN 31 094 174 341, AFSL 415324 ('AMO' or 'the Licensee').
This FSG is designed to provide you with important information to help you decide whether to use the financial services we offer. It sets out:
Zaved & Associates Financial Services (ABN 91 089 417 408) is a financial advisory practice located at 69 The Mall, Bankstown NSW 2200. We are an Authorised Representative of AMO Financial Solutions Pty Ltd, which holds Australian Financial Services Licence (AFSL) No. 415324 and Australian Credit Licence No. 392337.
We provide comprehensive, personalised financial advice across a broad range of service areas including superannuation, SMSFs, retirement planning, investments, personal and business insurance, debt management, gearing, and lending.
Zaved is a FASEA-compliant Principal Financial Adviser with over 15 years of combined experience in financial services, accounting, and higher education. He is a TAFE NSW lecturer and was a Finalist in the TAFE NSW Employee of the Year Awards 2025, and serves as a Subject Matter Expert for Deloitte Australia.
About AMO Financial Solutions Pty Ltd: AMO Financial Solutions Pty Ltd (ABN 31 094 174 341) is the Licensee responsible for the financial services provided by Zaved & Associates. AMO holds AFSL No. 415324 and Australian Credit Licence No. 392337 and has been operating since 1998.
We are authorised to provide personal financial advice and deal in financial products across the following service areas:
| Service Area | Services Provided |
|---|---|
| Superannuation | Super establishment, rollover and/or consolidation; salary sacrificing; non-concessional and concessional contributions; contribution splitting; spouse contributions; recontribution strategy; reweight/switch underlying investments. |
| SMSF | Establish SMSF; internal switch of SMSF assets; new investments into SMSF; lump sum and/or regular withdrawals; update investment strategy; transition from accumulation to pension; wind up SMSF. |
| Retirement Planning | Pension establishment, transfer and/or consolidation; Transition to Retirement (TTR) pension; transfer pension to super; lump sum withdrawals; annuities; estate planning — wills, power of attorney and guardianship. |
| Personal Insurance | Life insurance; Total and Permanent Disability (TPD); Trauma insurance; Income Protection (IP). |
| Business Insurance | Business expense cover; key person cover; buy/sell cover. |
| Investments | Investment accounts; investment bonds; managed funds/ETFs; listed securities; property; cash flow management strategies; unit trusts/direct trading opportunities. |
| Debt Management | Consolidation and refinancing of debt; adjustment to payment amounts and/or frequency; lump sum repayments; offset accounts and redraw facilities. |
| Gearing | Debt recycling strategy; gearing into super; gearing review; margin loan increase/decrease; wind up gearing strategy. |
| Residential & Commercial Lending | Home loans; business loans; construction loans; asset finance; SMSF loans. Provided in consultation with licensed finance/mortgage brokers under Credit Licence No. 392337. |
| Social Security | Centrelink age pension/DVA pension; disability support pension; carer payment; family tax benefits; newstart allowance; Commonwealth Seniors Health Care Card (CSHCC). |
Please note: Estate planning and tax planning strategies are provided in consultation with qualified lawyers and accountants respectively. General insurance, mortgage broking (as a standalone service), legal document drafting, and real estate services are not provided by Zaved & Associates or AMO.
| Document | Description |
|---|---|
| Statement of Advice (SOA) | All personal advice will be documented in a Statement of Advice. The SOA sets out the advice, the basis on which it is given, how it is tailored to your circumstances, details of any remuneration, and information on relevant associations. |
| Record of Advice (ROA) | If we provide further advice after a SOA and there is no significant change to your circumstances or the basis of the previous advice, we may issue a Record of Advice instead. We will keep this on file for seven years. |
| Product Disclosure Statement (PDS) | You will receive a PDS if your adviser recommends a particular financial product. The PDS contains key features, significant risks, benefits, and fees associated with the product. |
| Fee Disclosure Statement (FDS) | If you have an ongoing fee arrangement with us, an annual Fee Disclosure Statement will be provided, detailing services provided, services received, and fees paid during the period. |
| Target Market Determination (TMD) | Where required, a TMD will be provided or made available, describing the class of consumers for whom a financial product has been designed and is likely to be appropriate. |
We follow a structured four-step process to ensure the advice we provide is tailored, appropriate, and ongoing:
We begin by understanding your goals, current financial position, lifestyle priorities, and concerns through a comprehensive fact-finding process. We will not proceed to advice until we have a complete picture of your situation.
We analyse your situation, research suitable options, and design a tailored financial strategy aligned with your objectives and risk tolerance. All recommended strategies will be in your best interests.
We help you put the strategy into action, coordinating with relevant product providers and preparing all required documentation, including your Statement of Advice.
We review your plan at agreed intervals to ensure it remains aligned with your changing circumstances, legislative environment, and financial goals.
The cost of financial advice depends on the complexity of your situation and the time required to research, prepare, and implement appropriate recommendations. We are transparent about all fees before we provide advice.
All fees and charges will be fully disclosed in your Statement of Advice or Record of Advice prior to implementation.
Commissions: AMO Financial Solutions, as the Licensee, may receive commissions from fund managers and life insurance companies. For investment products, trailing commissions range from 0% to 5%. For insurance products, initial commissions range from 0% to 130% and trailing commissions from 0% to 38.5% per annum. All commissions will be fully disclosed in your SOA or RoA.
Zaved & Associates Financial Services and AMO Financial Solutions are committed to acting in your best interests at all times. Potential conflicts of interest are managed through the following arrangements:
Where a conflict exists, we will disclose this to you in writing. We give priority to your interests in all matters.
We are committed to protecting your personal information. In order to provide you with appropriate financial advice, we are required to collect personal information including your financial situation, goals, health information (for insurance advice), and identification details as required under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
Your information will be used for the purpose of preparing your SOA or ROA, making product recommendations, reviewing your portfolio, and meeting our legal obligations. It may be shared with AMO, insurance providers, superannuation trustees, and product issuers in connection with these purposes.
You have the right to withhold personal information; however, this may limit the appropriateness of the advice we are able to provide. Our full Privacy Policy is available at www.my-wealth.au or by contacting us at 69 The Mall, Bankstown NSW 2200 or emailing info@my-wealth.au.
We take all complaints seriously and have a structured process in place to address your concerns quickly and fairly. Under ASIC Regulatory Guide 271, we are required to acknowledge complaints within one business day and provide a final response within 30 calendar days.
Contact Zaved Karim directly to discuss your complaint.
Phone: 02 9709 0100 | Email: zaved@my-wealth.au
We will acknowledge your complaint within one business day.
If unresolved, submit in writing to:
Complaints Resolution, AMO Financial Solutions Pty Ltd
69 The Mall, Bankstown NSW 2200 | Email: complaints@amo.com.au
If your complaint remains unresolved after 30 days, contact the Australian Financial Complaints Authority (AFCA) — a free, independent service.
Phone: 1800 931 678 (free call) | Email: info@afca.org.au
Website: www.afca.org.au | Post: GPO Box 3, Melbourne VIC 3001
AMO Financial Solutions Pty Ltd maintains Professional Indemnity insurance in accordance with section 912B of the Corporations Act 2001 (Cth) and ASIC Regulatory Guide 126 (RG 126). This insurance provides indemnity coverage for AMO, its authorised advisers, and employees in respect of obligations under the AFSL, including claims arising from the conduct of former advisers for work done whilst engaged with AMO.
Please sign and return this section to confirm that you have received and read this Financial Services Guide.