Your Adviser
Ruchir is a Financial Adviser, an Authorised Representative of Lifespan Financial Planning Pty Ltd (Lifespan) and the Director of Aulex Private Wealth Pty Ltd, a Corporate Authorised Representative of Lifespan Financial Planning Pty Ltd.
Your Adviser’s Authorisations
Ruchir Gulati is authorised to provide advice in relation to the following financial products:
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Deposit and Payment Products
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Government Debentures, Stocks or Bonds
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Life Products
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Managed Investment Schemes
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Retirement Savings Account Products
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Securities
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Superannuation (excluding Self-Managed Superannuation Fund)
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Tax (financial) advice services
This means that Ruchir can assist you in meeting your financial planning needs and objectives in these areas, which include personal insurances, saving and investment as well as superannuation, retirement planning strategies and tax (financial) advice services.
Your Adviser’s Experience
Ruchir has been involved in financial services for over 20 years advising clients about managing their wealth including investments, superannuation and personal insurances.
Ruchir holds a Master of Business in Professional Accounting from Victoria University, a Bachelor of Commerce, Diploma of Financial Planning and Diploma in Finance and Mortgage Broking.
Aulex Private Wealth Pty Ltd
is a Corporate Authorised Representative
(ASIC No.1302303) of Lifespan Financial Planning Pty Ltd (AFSL: 229892) ABN: 37666041078
Ruchir Gulati is an Authorised Representative (ASIC No.1256233) of Lifespan Financial Planning Pty Ltd (AFSL: 229892) ABN: 37666041078
Cost of Advisory Services
An initial meeting to discuss your financial circumstances, at this meeting Ruchir will establish how he can assist you and gather the information required to prepare a financial plan.
Ruchir will discuss the fee basis with you and agree on the method of charging prior to any advice is provided or cost incurred. Also, fees are fully disclosed in the Statement of Advice and Product Disclosure Statements.
Payment can be collected through a platform, by direct debit or invoiced. A fee for the preparation of the Statement of Advice will be charged even if the recommendation is not implemented. For insurance, the commission may be paid by the insurance provider. Further advice that includes portfolio reviews may be charged on a percentage fee basis which varies according to the portfolio amount, or as a fixed dollar amount depending on the complexity and structure, as agreed with your adviser.
Aulex Private Wealth is licensed by Lifespan Financial Planning Pty Ltd ABN 23 065 92 735, AFSL 229892 to provide financial planning advice and financial product advice. Aulex Private Wealth acts on behalf of Lifespan, who is responsible for the advice provided to you. However, your adviser may operate separate businesses, and provide other services through those businesses, which are NOT authorised by Lifespan and do NOT involve Lifespan in any way, such as: finance broking, accounting, auditing, tax return preparation, self-managed super fund compliance and administration, property sales and referrals, and other products and activities. Lifespan is NOT responsible for any advice and services you receive from your adviser that are not authorised by Lifespan.