FINANCIAL SERVICES GUIDE

The purpose of this document

This Financial Services Guide (FSG) is designed to help you understand the services that I am authorised to provide and to help you decide whether you wish to use the services I offer.

It outlines:

• the services and types of financial products that I am authorised to provide to you

• how I am paid for the services I provide

• any associations, interests or relationships that might influence the services I provide

• how you can provide feedback on my services or get help if you have a problem.

Money Sherpa has authorised me to distribute this FSG.

My services

Betsy Westcott exists to help individuals transform their relationship with money and expand their capacity to create long-term, sustainable wealth.

My goal is to help you understand your unique thoughts, feelings and beliefs around money and how these may impact your financial wellbeing. I also support you to build financial capability and confidence so that you can make better financial decisions.

During the coaching experience I may provide personalised coaching, education and behavioural support in relation to your money psychology and financial behaviours. This is designed to help you build financial capability, strengthen your confidence when making financial decisions and reduce self-sabotaging financial behaviours.

When it comes to specific financial products or classes of financial products, any recommendation, opinion or commentary I express will be general in nature only and will not take into account your personal circumstances.

If you require professional advice tailored to your specific needs, please consult a licensed financial adviser.

I am authorised to provide general advice and deal in the following financial products:

• deposit products

• debentures

• shares

• bonds issued or proposed to be issued by a government

• life insurance products

• managed investment schemes (including investor directed portfolio services)

• retirement savings account (RSA) products within the meaning of the Retirement Savings Accounts Act 1997

• securities (including ETFs)

• superannuation.

I do not provide personal financial product advice, and therefore you will not receive a Statement of Advice (SoA) from me.

Costs and Conflicts

Neither Betsy Westcott nor Money Sherpa is owned by fund managers, insurers or banks, so the services provided are not directly influenced by product manufacturers.

However, we are a commercial enterprise and may receive remuneration from product issuers from time to time for services provided, such as workshops, content or educational programs.

We may also receive remuneration for referring you to a product issuer or advice provider.

Any payment I receive is paid by the relevant issuer or provider from their own resources and is not a direct fee charged to you unless otherwise disclosed.

Protecting your Privacy

The privacy of your personal information is important to me and I respect your confidentiality. I will not ask you for information I do not reasonably require, although I may collect personal information from you in the course of providing services.

You have the right not to provide personal information requested by me, but this may affect the usefulness or effectiveness of the information or services you receive.

Any personal information I collect or receive will be handled in accordance with my Privacy Policy.

Contact Us

Mailing Address
PO Box 4187
BALGOWLAH HEIGHTS NSW 2093

Website
www.betsywestcott.com

Email
hello@betsywestcott.com

Feedback and dispute resolution

I welcome your feedback on the content and services I provide and encourage you to share your thoughts and comments.

You can email feedback directly to me at:

hello@betsywestcott.com

I am committed to providing you with the best possible service. If at any time I have not met your expectations, or you have a complaint about any of my services, please let me know so I can work towards a resolution.

I will endeavour to deal with your complaint promptly, thoroughly and fairly.

If you have a complaint relating to the financial services I provide, please follow these steps:

Step 1 – Contact Me

Email: hello@betsywestcott.com

I will acknowledge your complaint and seek to resolve your concerns as quickly as possible.

Step 2 – Contact Money Sherpa

If your concern is not resolved, you may contact the Money Sherpa complaints officer:

complaints@lifesherpa.com.au

Step 3 – External Dispute Resolution

If you are still not satisfied, you may contact our external dispute resolution scheme.

The Australian Financial Complaints Authority (AFCA) is an independent and impartial external dispute resolution scheme approved by ASIC.

Money Sherpa’s AFCA member number is 34698.

You may contact AFCA at any time, although they may require you to wait until our internal complaints process has been completed before considering your complaint further.

Telephone: 1800 931 678

Website: www.afca.org.au

Mail: GPO Box 3, Melbourne VIC 3001

Fax: 03 9613 6399

If your complaint relates to a product or service acquired through a third party (for example, a lender or product issuer), I may ask you to contact the relevant third party so they can deal with your complaint under their own complaints handling process.

Professional Indemnity Insurance

I have the benefit of a Professional Indemnity Insurance policy maintained by Money Sherpa which meets ASIC’s requirements.

Version 1.2

Issue Date: 11 March 2026