FAIS Disclosure

Financial Advisory and Intermediary Services Act Disclosures

Digital Acknowledgement

By interacting with our digital tools (such as the retirement calculator) and submitting your contact details, you acknowledge that you have received and accepted this introductory disclosure document as required by the FAIS Act. This document serves as our statutory introduction to prospective clients.

1. Introduction to Bauer Bersella Advisors

Human-led, AI-enabled financial advice for South African families.

Who We Are

We're a Cape Town-based financial advice firm with 35+ years of history, managing over R4 billion in assets for over 120 South African families. We work primarily with entrepreneurs, directors and business owners who want straightforward, independent advice.

What Makes Us Different

•Personal relationships that last forever
•Technology as an enabler
•True independence
•Plain English without jargon
•Freedom to leave

2. Our Regulatory Information

Bauer Reuvers & Associates (Pty) Ltd (t/a Bauer Bersella Advisors)

Registration: 2018/260281/07
FSP License: 539
Date Licensed: 1 October 1989

Registered Address:

9 Colinton Road
Newlands, Cape Town, 7700

Contact:

Tel: +27 11 706 0515
Email: luca@bersella.com
Website: www.bersella.com

3. Key Individuals

Marco Bauer

Role: Key Individual
Qualifications: BCom, BAcc (Wits), CA(SA)
Experience: 35+ years
FSP Categories: I

Ross Reuvers

Role: Key Individual
Qualifications: Harvard MBA, SAFEX Fellow
Experience: 34+ years
FSP Categories: I

Luca Bersella

Role: Representative
Qualifications: BBusSci, PGDA (UCT), CA(SA)
Categories: Under supervision

4. Services We Provide

Authorised Product Categories:

• Long-term Insurance (Categories A, B1, B2, C)
• Retirement Funds (Pension & Provident)
• Investment Planning
• Securities and Instruments
• Collective Investment Schemes

Services Offered:

• Retirement planning
• Investment management
• Tax optimisation
• Estate planning
• Risk management

5. Product Providers

We maintain agreements with:

Allan Gray

Old Mutual

Sanlam

Liberty

Momentum

Ninety One

Coronation

Nedgroup

Important: We're independent and not tied to any provider.

6. Fees and Remuneration

Important: All fees are tailored to each of our clients' individual, personal, and financial circumstances. The fees below should be taken as estimates or approximate ranges only. Certain circumstances will vary.

Our Fee Structure:

Initial consultation: No charge
Ongoing advice: 0.5% - 0.75% per annum
Initial investment fee: Up to 1%

How We're Paid:

• Fees are paid as a percentage of the portfolio that we manage on your behalf
• These fees are paid directly to us by the institutions where we place your investments and where we are listed as your advisor
• We always look to pass on savings or reduce costs and fees to clients at any opportunity we can

Full fee disclosure provided before any transaction.

7. Complaints Procedure

See our dedicated Complaints Process page for details.

Compliance Officer: Herman Hesse, Moonstone Compliance and Risk Management
Complaints: luca@bersella.com

8. Professional Indemnity

We maintain professional indemnity insurance of R12,500,000 for your protection.

9. Conflict of Interest

Our Policy:

• We act in your best interests
• We disclose any conflicts
• We don't favor any product provider
• Full policy available on request

Current Disclosures:

• No ownership by third parties
• No ownership in product providers
• Independent advice model

10. Legal Duties

We are legally required to:

• Act honestly and fairly
• Act with due skill, care, and diligence
• Avoid conflicts of interest
• Maintain professional competence
• Keep your information confidential
• Maintain proper records

11. What You Can Expect

From Us:

✓ Clear, understandable advice
✓ Full disclosure of fees and risks
✓ Regular portfolio reviews
✓ Prompt response to queries
✓ Professional service

Your Rights:

✓ Request our credentials anytime
✓ Receive written advice records
✓ Full fee disclosure
✓ Cancel transactions (cooling-off periods apply)
✓ Lodge complaints

12. Legal Compliance

We comply with:

• Financial Advisory and Intermediary Services Act (FAIS)
• Financial Intelligence Centre Act (FICA)
• Protection of Personal Information Act (POPIA)
• All FSCA regulations and codes

13. Important Notices

Investment Warning:

• Investments can fall as well as rise
• Past performance is no guarantee
• You may get back less than invested
• Tax benefits depend on circumstances

Not Deposit-Taking:

We don't accept deposits. All investments go directly to licensed product providers.

14. Treating Customers Fairly

We're committed to TCF principles:

• Fair treatment throughout
• Products meet your needs
• Clear information
• Suitable advice
• Performance meets expectations
• No unreasonable barriers