Considered advice, anchored to a disciplined core.
Core Advice Collective is an Australian Financial Services Licensee — a governed, professional home for quality financial advice. One licensed core; a collective of advisers held to a single, uncompromising standard.
A licensed home for quality advice.
Core Advice Collective brings experienced advice professionals together under one licensed, well-governed structure — so that good advice is delivered consistently, transparently and in the client's interest.
We hold our own Australian Financial Services Licence and take direct responsibility for the conduct, competence and compliance of every adviser who practises under it. Each member of the Collective shares the same obligations: a duty to act in clients' best interests, a commitment to evidence over product bias, and accountability to a documented supervision and audit framework.
Based in the heart of Sydney's financial district at Martin Place, the Collective is built for advisers who hold themselves to a professional standard and for the clients who rely on it. Our purpose is simple — to make rigorous, well-governed advice the default, not the exception.
Standards that don't move.
The Collective is defined less by what we offer than by how we hold ourselves to account. Four principles sit beneath every piece of advice issued under our licence.
The client's interest, ahead of our own
Every recommendation must satisfy the best-interests duty and prioritise client outcomes over commercial convenience. Where a conflict exists, it is identified, managed and disclosed.
Qualified advisers, current and accountable
Advisers practising under our licence are appropriately qualified, registered and held to continuing professional development. Competence is verified, not assumed.
Evidence over product bias
Advice is driven by a client's objectives, situation and needs — supported by research and a structured approved-product framework — rather than by any single provider or incentive.
Documented, supervised, audited
Advice is recorded, supervised and reviewed under a defined compliance framework, with internal dispute resolution and external recourse through AFCA available to every client.
Where our advice extends.
The Collective is authorised across the core areas of personal financial advice, delivered by qualified advisers practising under our licence.
Retirement & superannuation
Retirement income strategy, contribution planning and superannuation structuring toward and through retirement.
Self-managed super (SMSF)
SMSF establishment, strategy and ongoing advice for clients seeking direct control of their retirement savings.
Investment & portfolio advice
Portfolio construction aligned to objectives and risk profile, drawing on a researched, structured investment framework.
Personal & risk insurance
Life, total and permanent disability, trauma and income protection advice to safeguard income and dependants.
Estate & succession planning
Coordinated estate and intergenerational planning, working alongside legal advisers to give effect to a client's wishes.
Strategic & cashflow advice
Whole-of-position strategy — cashflow, debt, structuring and goals — to give a client's financial decisions a single direction.
Authorisations are held under our Australian Financial Services Licence. The specific financial services and products we are authorised to advise on, together with the terms on which they are provided, are set out as part of your advice engagement.
Our regulatory information, in full.
Core Advice Collective is committed to transparency. Set out below are our licensee details and the policies and disclosures that govern the financial services we provide.
Sydney NSW 2000
01Privacy Policy
Core Advice Collective is bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We collect personal and sensitive information only where it is reasonably necessary to provide financial services to you, to meet our legal and regulatory obligations, and to administer our relationship with you.
We take reasonable steps to keep your information accurate, secure and protected from misuse, loss and unauthorised access. We do not sell personal information. We may disclose information to product and platform providers, our representatives, professional partners and service providers engaged to assist us, and otherwise as required or permitted by law.
You may request access to, or correction of, the personal information we hold about you, and you may raise a privacy concern with our Privacy Officer at any time.
- Privacy Officer: contact@coreadvicecollective.com.au
- Read our full Privacy Policy for complete detail on how we handle your information.
- Unresolved privacy complaints may be referred to the Office of the Australian Information Commissioner — oaic.gov.au.
02Complaints & dispute resolution
We take complaints seriously and aim to resolve any concern promptly and fairly. If you are not satisfied with any of our services, please tell us so that we can put it right.
Step 1 — Raise it with us. Contact us by phone, email or in writing using the details below, marked to the attention of the Complaints Officer. We will acknowledge your complaint promptly and work to resolve it. In line with ASIC Regulatory Guide 271, we will provide a written response within the required timeframe (no later than 30 days for most complaints).
- Email: contact@coreadvicecollective.com.au (Attention: Complaints Officer)
- Phone: 0400 151 663
- Post: Level 57/25 Martin Place, Sydney NSW 2000
Step 2 — External review. If your complaint is not resolved to your satisfaction, or has not been resolved within the required timeframe, you may refer it to the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers.
- Online: afca.org.au
- Phone: 1800 931 678 (free call)
- Email: info@afca.org.au
- Post: GPO Box 3, Melbourne VIC 3001
03General advice warning
Any information provided on this website is general in nature only. It has been prepared without taking into account your objectives, financial situation or needs. Because of this, before acting on any information on this website you should consider its appropriateness, having regard to your own objectives, financial situation and needs, and obtain personal financial advice.
Before acquiring any financial product, you should obtain and read the relevant Product Disclosure Statement and Target Market Determination. Past performance is not a reliable indicator of future performance.
04Professional indemnity insurance
Core Advice Collective maintains professional indemnity insurance that satisfies the requirements of section 912B of the Corporations Act 2001 (Cth) for compensation arrangements. Subject to its terms and conditions, this insurance is intended to cover claims arising from the conduct of the licensee and its representatives, including representatives who no longer act for us in respect of conduct while they did.
05Website terms & disclaimer
This website is published by Core Advice Collective Pty Ltd for general information only. While we take care to ensure the information is accurate and current at the time of publication, we make no representation or warranty as to its accuracy, completeness or suitability for any purpose, and it may change without notice.
The information is intended for Australian residents and does not constitute an offer or solicitation in any jurisdiction where it would be unlawful. To the extent permitted by law, we exclude liability for any loss arising from reliance on the information contained on this website. Third-party links are provided for convenience and do not imply endorsement.
Get in touch.
For enquiries about the Collective or our licence, reach us using the details opposite. Our office is in Martin Place, in the heart of Sydney's financial district.
General enquiries are answered Monday to Friday, 9:00am to 5:00pm (Sydney time).
Sydney NSW 2000, Australia