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Compliance, Licensing & General Advice Framework
 

Aurea operates under Finchley & Kent’s Australian Financial Services Licence (AFSL 555169).
All research, analysis, and general advice is issued under this licence, within the permitted scope.

Our framework ensures compliance for:
 

  • Aurea

  • the accountant distributing the reports

  • the SMSF trustee using the reports

  • auditors reviewing documentation

 General Advice Only — Not Personal Advice
 

 Every report includes a locked general advice warning:
 

  “This report contains general financial product advice only. It does not consider your personal objectives, financial       situation, or needs. You should consider whether the information is appropriate before acting on it.”

 

  We do not:

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  • provide personalised recommendations

  • tailor advice to individuals

  • create SOAs or ROAs

  • state “buy” or “sell”

  • provide portfolio construction advice

 

 We provide general reasoning and analysis, which is legally distributable by accountants.

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AFSL & Authorised Representative Details

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Each report includes:

  • AFSL number

  • Authorised Representative name and number

  • Company name (Aurea Equities Pty Ltd)

  • Locked disclaimers

  • Analyst initials

  • Timestamps

  • Version number

  • Metadata

This keeps everything clean, trackable and audit-proof.

How This Keeps Accountants Safe

Many accountants cannot provide:

  • financial advice

  • opinions on financial products

  • instructions to buy or sell

  • analysis that implies a recommendation

 

But they CAN distribute general advice prepared by an AFSL provider.

Our reports give accountants a safe middle ground:​

✔ You add value
✔ You stay compliant
✔ You avoid advice risk
✔ You support client audits
✔ You keep the client relationship strong

SIS Regulation 4.09 Alignment

SIS Reg 4.09 requires trustees to:

  • review their investment strategy

  • consider risks

  • consider diversification

  • document reasoning

  • retain evidence for auditors

Our reports provide:

  • structured reasoning

  • risk evaluation

  • scenario analysis

  • market context

  • justification wording auditors accept

Accountants finally have a compliant tool to help clients meet regulatory expectations.

 Quality Control & Audit Trail Protections

  We maintain:

  • version control

  • report logs

  • metadata capture

  • quality review

  • analyst documentation

  • consistent 6-pillar methodology

This ensures:

  • audit defensibility

  • AFSL compliance

  • professional standards

  • consistency across all clients

Download compliance pack

Disclosure

Aurea Equities Pty Ltd is an Authorised Representative of Finchley & Kent Pty Ltd (AFSL 555169).
Information on this website is general advice only and does not consider your personal objectives, financial situation or needs.

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