Financial Service Guide
Version: August 2026
Licensee:
Paxton Bridge Pty Ltd
(AFSL 493251
This Financial Services Guide (FSG) is authorised for distribution by Paxton Bridge.
Authorised Representatives:
Paxton Bridge Financial Pty Ltd as trustee for
Paxton Bridge Trust (ASIC# 470273 ABN 74 224 789
721)
David Murdoch (ASIC# 341901)
Authorised Representatives act on behalf of
Paxton Bridge who is responsible for the services that they provide.
Contact Details
1St Floor, 134 Martin Street
Brighton VIC 3186
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 remuneratedHow 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
if we do not charge you a fee for our advice on risk insurance policies, we are paid a commission by the product provider. In this instance, 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 general advice, personal advice and dealing services in the following areas:
Superannuation and SMSF
Retirement planning
Portfolio Management
Personal risk insurance
Managed investments
Securities (direct shares)
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 obiectives 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 (SoA) 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 (RoA) 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
Initial Life Alignment Framework Fee
To ensure we gain an understanding of your requirements we have an engagement process that involves us meeting face to face or via video with you and/or your life or business partners) to determine where you are now and where you want to be. This process is referred to as our "Life Alignment Framework" discussions and allows you and us to ask a range of questions and to determine the scope of work.
Framework Fee - $2,100 plus GST
This will be invoiced at the conclusion of the Framework discussion and prior to the Terms of Engagement meeting held approximately two weeks, or as agreed after the Framework discussion.
Annual Fee
Our annual fee depends on the scope and complexity of the services that we provide to you. It is charged as a flat fee with a minimum of $14,400 plus GST. We will agree the fee with you at the beginning of each year and can be paid annually, quarterly or monthly via a direct bank transfer or through a direct debit authority. It will be set out in the client agreement we have with you.
All ongoing advice fees are due 7 days from the date of invoice and will be paid to the Paxton Bridge Trust.
Insurance Commissions
Our preference is not to accept commissions however we may do so for life insurance products where you prefer.
In these cases, we receive a one-off upfront commission when you take out an insurance policy we recommend. We also receive an on-going 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
David Murdoch is the owner of the practice. He is paid a share in the profits 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 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.orq.au. AFCA provides a fair and independent complaints resolution service which is provided to you free of charge.
Paxton Bridge 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.