Financial Services Guide &
Website Disclosure Information
This Financial Services Guide (FSG) is a legal document, which supports you to decide whether to use the services we offer — the services and their cost, any conflicts of interest, how we are remunerated, and how we handle complaints.
Version · 1 July 2026
About The Licence
Who We Are
QuarterFive Pty Ltd (“QuarterFive”) act on behalf of Gatekeeper 77 Pty Ltd (“Gatekeeper 77”), which is responsible for the services they provide. This FSG is authorised for distribution by Gatekeeper 77.
Gatekeeper 77 holds an Australian Financial Services Licence (AFSL No. 557074), issued by the Australian Securities and Investments Commission (ASIC). Gatekeeper 77 must comply with the obligations of the Corporations Act and the conditions of its licence, including the need to maintain adequate compensation arrangements with a Professional Indemnity insurer for the financial services that it and its current and past representatives provide.
References to “we”, “our” or “us” are references to Gatekeeper 77 and its authorised representatives, as the context requires.
This guide covers
- The services we offer and their cost
- Any conflicts of interest that may impact our services
- How we and your adviser are remunerated
- How we deal with complaints if you are not satisfied
What We Do
Areas of Advice
We are authorised to provide personal advice and dealing services across the following areas.
How we engage
Our Advisory Process
Tap a phase to see what's involved and the indicative fees. All fees are plus applicable GST and vary with scope and complexity.
As part of our advice process, we may refer you to other professional advisers including accountants, lawyers, mortgage brokers and property specialists. You are under no obligation to use their services and are free to engage any professional adviser of your choosing. Gatekeeper 77, QuarterFive and advisers accept no responsibility or liability for the advice given by the other professionals.
Investor Type
Advice for Wholesale and Sophisticated Clients
The legal framework for financial advice in Australia makes a clear distinction between retail and wholesale clients. Wholesale clients are generally investors who meet prescribed asset or income thresholds and, where appropriate, we may also assess whether a client is genuinely sophisticated beyond these thresholds and considered to have the financial sophistication to understand and assess more complex wealth and investment strategies. Where a client is classified as wholesale or sophisticated investors, they may gain access to a broader range of investment opportunities, structures and products, along with a more streamlined advice and documentation process.
It is important to understand that this classification results in reduced regulatory disclosure requirements and fewer statutory protections compared to retail clients, and this distinction is carefully considered at the outset of our engagement.
Advice for Retail Clients
For retail clients, the regulatory framework requires a higher level of prescribed disclosures, including standardised documentation designed to enhance transparency and consumer protection. As a result, the advice process for retail clients is more structured and governed by formal requirements.
If you choose to proceed as a retail client, certain legal documents must be issued to you in a prescribed format. These set out the basis for our advice, the risks, the cost of implementation, the benefits we receive and any conflicts of interests.
Associations & partnerships
Services delivered with partners
Managed Discretionary Account (MDA) Service
Your adviser may recommend that you invest in a Managed Discretionary Account service. Gatekeeper 77 and its representatives are authorised to provide this service through Mason Stevens Limited (ABN 91 141 447 207, AFSL 351578). If this service is appropriate for you, you will be provided with a separate Financial Services Guide issued by Mason Stevens and an investment mandate outlining the arrangement.
Property Advocacy
If we refer you to a property advocate, we may be paid a fee of up to 20% of the property advocate's fees to cover the cost of our involvement in facilitating a smooth transaction on your behalf. This is not an additional cost to you and is only received if you transact with the property advocate.
Your adviser does not provide real estate or property advice; you will need to make your own decisions regarding the appropriateness of the property.
Conflicts of Interest
Your Rights
Your Privacy
We are committed to protecting your privacy. Our Privacy Policy sets out how we collect, hold, use and disclose your personal information, how you can access and correct it, and how to complain if you are not satisfied. It is available on request and on our website.
To manage workflows we may engage third-party service providers (local or offshore). Where this occurs, we are satisfied those parties meet all obligations under the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
Making a Complaint
- Contact your adviser and advise the details of your complaint.
- If not resolved within 3 business days, contact our Complaints Officer.
Level 5, 88 Jolimont Street, East Melbourne VIC 3002
gatekeeper77@quarterfive.com.au - If not resolved within 30 days, you may refer the matter to the Australian Financial Complaints Authority (AFCA), of which Gatekeeper 77 is a member. Their service is free of charge.
Professional Indemnity
We hold Professional Indemnity Insurance that meets the requirements of Section 912B of the Corporations Act, providing cover for issues relating to the authorised services your adviser provides to you.
Authorised Representatives
Your Advisers
QuarterFive Pty Ltd (ABN 96 668 837 992, AFS Representative No. 1304568) is a Corporate Authorised Representative of Gatekeeper 77. Your advisers are authorised representatives of QuarterFive. Accordingly, Gatekeeper 77 is responsible for the financial services and advice provided through QuarterFive.
QuarterFive Pty Ltd
ABN 96 668 837 992
AFS Representative No. 1304568
team@quarterfive.com.au
Level 5, 88 Jolimont Street, East Melbourne VIC 3002