Last Updated: 17 June 2025
Licensee:
Rask Licensing Pty Ltd (AFSL# 563907)
This FSG is authorised for distribution by Rask Licensing.
Authorised Representatives:
Rask Advice Pty Ltd (ASIC# 1313447) (ABN 68 683 296 291)
Gemma Mitchell (ASIC# 1000671)
Owen Raszkiewicz (ASIC# 1280931)
James Phelan (ASIC# 1307965)
Tahli Cavagnino (ASIC# 1306012)
Owen Raszkiewicz is a Provisional Financial Adviser completing his professional year. He provides services under the supervision of Gemma Mitchell.
The Authorised Representatives act on behalf of Rask Licensing who is responsible for the services that they provide.
Contact Details
Suite 2, Level 4, 50 Queen St, Melbourne
Purpose of this FSG
This FSG will help you decide whether to use the services that we* offer. It contains information about:
- The services we offer and their cost
- Any conflicts of interest which may impact the services
- How we are remunerated
- How we deal with complaints if you are not satisfied with our services.
* In this document ‘we’ refers to the Authorised Representatives set out above.
Not Independent
We do not charge you a fee for our advice on risk insurance policies as we are paid a commission by the product provider. Our advice on risk insurance is therefore not independent, impartial or unbiased. In all other cases, we charge a fee for our advice services and do not receive commissions or other payments from product providers.
Our services
We are authorised to provide advice and dealing services in the following areas:
- Superannuation
- Retirement planning
- Portfolio management
- Managed investments
- Securities (direct shares)
- Personal risk insurance
The financial advice process
We recognise that the objectives and personal circumstances of each client are different.
Where we provide personal advice, we will listen to you to understand your objectives and circumstances. We will also ask questions to make sure we provide advice which is in your best interests.
When we first provide personal advice to you it will be explained thoroughly and documented in a Statement of Advice which you can take away and read.
The SoA will explain the basis for our advice, the main risks associated with the advice, the cost to you of implementing the advice, the benefits we receive and any conflicts of interest which may influence the advice.
We will provide you with a Product Disclosure Statement for any products we recommend other than securities. This contains information to help you understand the product being recommended.
At all times you are able to contact us and ask questions about our advice and the products we recommend.
You can provide instructions to us in writing, via phone or via email. In some cases, we may require you to provide signed instructions.
We may provide further advice to you to keep your plan up to date for changes in your circumstances, changes in the law and changes in the economy and products.
If we provide further advice, it will be documented in a Record of Advice which we retain on file. You can request a copy of the RoA document at any time up to 7 years after the advice is provided.
Fees
Annual Fee
We charge an annual fee for our services. The fee varies based on the services that we provide to you. It will be an agreed fixed fee and paid upfront. In some cases, we may provide additional services outside the agreement. These are charged at an hourly rate. Our services and fee will be set out in our advice proposal/ agreement with you.
Coaching
We offer a 60 minute coaching service for $550 per session. This is an education session and does not provide recommendations tailored to your personal circumstances.
Insurance Commissions
We receive a one-off upfront commission when you take out an insurance policy that we have recommended. We also receive a monthly commission payment for as long as you continue to hold the policy. The commission will vary depending on the recommended product and will be documented in the SoA or RoA.
Other Benefits
We may receive other benefits from product providers such as training, meals and entertainment. Details of any benefits received above $100 will be maintained on a register which is available to you on request.
Adviser Remuneration
Owen Raszkiewicz is a director and owner of Rask Advice. He is remunerated through the profits that the practice makes.
The other Authorised Representatives are employees of Rask Advice and are paid a salary. They may also receive a performance bonus depending on the financial success of the practice.
Making a Complaint
We endeavour to provide you with the best advice and service at all times. If you are not satisfied with our services, then we encourage you to contact us. Please call us, send an email or put your complaint in writing to our office.
If you are not satisfied with our response, you can refer it to the Australian Financial Complaints Authority. You can contact AFCA on 1800 931 678 or via their website www.afca.org.au. AFCA provides fair and independent financial services complaint resolution which is free to consumers.
Rask Licensing holds Professional Indemnity insurance which satisfies the requirements for compensation arrangements under section 912B of the Corporations Act. It covers the financial services provided by current and past representatives.
Your Privacy
We are committed to protecting your privacy.
We have a Privacy Policy which sets out how we collect, hold, use and disclose your personal information. Our Privacy Policy is available on request and on our website.