This financial services guide is to help you decide if you wish to use any of the financial services we offer.

In Summary it contains:

• Who we are?

• The relationship between SYFS Group Pty Ltd and Milburn Financial Services Pty Ltd & that of South Yarra Financial Services Pty Ltd, the company which authorises us to provide our services.

• Our services and the process we follow to give you quality financial planning advice.

• What to do if you’re unhappy with the services you receive from us, and how it can be resolved.

• How we are paid.

• Our relationships that could influence the advice we give you.