DISCLOSURES IN TERMS OF THE FINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT (FAIS) (ACT NO. 37 OF 2002)
As a client of P Rudden Financial Services Pty Ltd you have the right to the following information:
P Rudden Financial Services Pty Ltd (FSP 45277), is an independent licensed financial services provider in terms of Section 8 of the Financial Advisory and Intermediary Services Act, 2002 (Act No 37 of 2002) and subject to the conditions and restrictions set out in the License Annexure. A copy of such license is available for inspection should you require it.
P Rudden Financial Services Pty Ltd (FSP 45277) meets the fit and proper requirements as prescribed by FAIS, to assist you in a professional manner with your financial requirements and adheres to the FPI Code of Ethics and Professional Responsibility to clients / prospective clients.
F4 The Courtyard
F4 The Courtyard
|Telephone: 021 555 1466|
Cell: 083 626 4301 (P Rudden)
Cell: 082 744 7514 (C Paine)
Cell: 079 304 0638 (B Vintcent)
Our license authorises us to carry on business in respect of the following financial products –
- Long term insurance: category A, B1, B2, B2-A, B1-A and C
- Pension fund benefits (includes retail pension benefits)
- Participatory interests in one or more collective investment schemes
- Participatory interests in a hedge fund
- Securities and Instruments: Shares
- Long-term, Short-term and Structured Deposits
The company has contractual relationships with, and is authorised to recommend the insurance and/or investment products with the following product providers:
- Allan Gray
- Ninety One
- Momentum (Investments & Life)
- Nedgroup Collective Investments
- Old Mutual (Investments & Life)
- Old Mutual International
- Glacier and Glacier International by Sanlam
The company has Professional Indemnity Insurance with Lombard Insurance Company Limited underwritten by Leppard & Associates (Pty) Ltd
We do not directly or indirectly hold 10% of product suppliers’ shares or have any financial interest in a product supplier.
P Rudden Financial Services Pty Ltd (FSP 45277) is remunerated by means of advice fees according to prior agreement with the client. Should no sign on of a client take place after the initial consultation and recommendation, an advice fee will be payable for professional services based on the current hourly rate.
We are bound by the Conflict of Interest Policy as laid out by the FSB and are committed to ensure that all clients are adequately informed about any conflicts that could affect the provision of unbiased financial services to you. Our Conflicts of Interest Policy is available at our offices should you wish to view it.
We respect the Regulator’s mission to maintain a sound financial investment environment and acknowledge its mandate to promote the fair treatment of clients. To this end we commit ourselves to align our culture and business processes to ensure that the six outcomes of Treating Customers Fairly (TCF) are at all times achieved.
Should we receive any unsolicited gifts from any product supplier, these are listed on our Gift Register at our offices.
Neither P Rudden Financial Services Pty Ltd (FSP 45277) nor any of its representatives, key individuals or staff, may disclose any confidential information acquired or obtained from a client or, subject to FAIS section 4(1), a product supplier in regard to such client, unless the written consent of the client or product provider has been obtained beforehand or unless we are required by any law to disclose such information.
As an authorized Financial Services Provider, we may not request or induce a client to waive any rights or benefits in terms of any provision of the General Code of Conduct Section 21, or recognise, accept or act on any such waiver by a client.
P Rudden Financial Services Pty Ltd (FSP 45277) is subject to regular compliance audits by Moonstone Compliance (Pty) Ltd. Postal address: PO Box 12662, De Boord, Stellenbosch, 7613, Telephone 021 8838000. www.moonstone.co.za.
In the event that you are dissatisfied with any aspect of our service, you should address your complaint in writing to us. A copy of our Complaints Resolution Policy is available on request.
Financial Adviser Experience
- Pauline Rudden CFP® – Key individual and Representative licensed since 1984
- Candice Paine CFA, CFP® – Key individual and Representative licensed since 2015
- Barbara Vintcent CFP® – Representative – licensed since 2017 – under selective supervision for new categories
All have training and expertise to advise clients in the following business areas
- General financial planning
- Investment planning
- Retirement planning
- Estate planning
- Investment management
Authorised Financial Services Provider – FSP no: 45277
Registration Number 2014/078230/07 * Vat registration No 4550266284