Financial Services Guide

Version 4.0 

Date: December 18, 2025

WHO IS JESSICA BADY

Jessica Gerken, also known as Jessica Brady, is an authorised representative of MoneySherpa Pty Ltd.

I am a money educator, former financial adviser and am an authorised representative (No. 1259972) of MoneySherpa Pty Ltd – AFSL 451289 | ABN 32 164 927 708 |

Corporate Authorised Representative No. 1305567.

WHAT IS THIS DOCUMENT?

The information provided by Wealth Health & Heels Pty Ltd (trading as ‘Jessica Brady’) may be general financial advice. General advice includes information about financial products and financial markets and our views and outlook for those products and markets. We do not take into account your personal circumstances, goal or objectives when compiling this information, it is therefore not personal financial advice. Because this information is being provided to individuals who may be retail clients, we are required to give you this document. This document is a Financial Services Guide. We are required to provide it to you before we provide you with any Financial Service (general financial advice). You should read this document and ensure you understand what it means for you and retain a copy for your records.

HOW TO CONTACT Jessica Brady

 Email: [email protected]

Contact number: 0411575341

Postal Address:

Attn: Jessica Brady

PO BOX 594 Surry Hills NSW 2010

NOT INDEPENDENT

Money Sherpa or its authorised representatives may receive commissions on Life Insurance products and so cannot be considered Independent or impartial.

Services Offered & Remuneration

WHAT ARE WE LICENCED TO PROVIDE TO YOU?

 Our AFSL authorises us to provide general advice only in relation to the following products:

1. Deposit products

2. Debentures, stocks or bonds issued or proposed to be issued by a government;

3. Life insurance products (life insurance, income protection, trauma and TPD insurance)

4. Managed investment funds

5. Retirement savings accounts;

6. Shares & Securities; and

7. Superannuation

HOW DOES Jessica Brady GET PAID?

Fees - services provided and fees charged.

There are set fees for the services we provide to you, and these fees will be agreed upon and confirmed to you prior to any service being provided. Discounts & bonuses may apply.

Current fees and charges are detailed below and are GST-inclusive:

The Greenhouse Money Growing program: $997 for an upfront payment, $1,068 for 6 months or $1,188 for a 12-month payment if paid via an instalment payment.

The Evergreen Money Club: $99 per month or $950 per annum.

3 Day Challenge: $79

Clarity Calls: $350 for a one-hour call

Investing for Doctors: $500 for a one-hour call

We may require payment for workshops, webinars or events, which will be disclosed to you before purchase.

 Jessica Brady and her staff do not receive any commissions or additional payments apart from the fees paid above and are paid via a salary agreement. Jessica may receive a bonus or dividends when Wealth, Health and Heels makes a profit.

 We believe that the best endorsement you can give us is to refer Jessica Brady and The Greenhouse to your friends, family and colleagues. From time to time we run promotions to encourage referrals. We may also obtain referrals from professionals such as accountants or other financial planners.

Please note that for clarity calls referred to us by Glenn James, SYMO Interactive Pty Limited or Emma Edwards, The Broke Generation, $50 will be paid as a referral payment. Referrals for our other programs, clubs or courses will be made at a 10% referral payment.

Further information about referral rewards, including our reasonable estimate of the amount of any amount payable and how it is calculated is available from us on request.

 Associations, Complaints Process & Dispute Resolution

RELEVANT RELATIONSHIPS

Neither MoneySherpa nor Jessica Brady have ownership in any product provider.

 DISPUTES OR COMPLAINTS WHAT TO DO IF YOU HAVE A DISPUTE OR COMPLAINT

 We are committed to providing you with the best possible service. If at any time we have not met your expectations – or you have a complaint about any of our services – please inform us so we can work towards a resolution. We will endeavour to deal with your complaint promptly, thoroughly and fairly.

 HOW TO MAKE A COMPLAINT

 If you have a complaint, we request you follow these steps:

1. Tell us at Attn: Jessica Brady

PO BOX 594 Surry Hills NSW 2010

2. If this does not resolve your concern write or email the complaints officer [email protected]

3. We will respond seek to resolve the issue.

4. If you are still not satisfied, you may contact our External Dispute Resolution Service (it’s free).

Our External Dispute Resolution Scheme is the Australian Financial Complaints Authority (MoneySherpa’s membership number is 34698) which can contacted by:

Telephone: 1800 931 678

Online complaint form: https://ocf.afca.org.au/

Website: http://afca.org.au

Mail: Australian Financial Complaints Authority Limited, GPO Box 3, Melbourne, VIC 3001

Fax: 03 9613 6399

Jessica Brady has the benefit of a Professional Indemnity Insurance policy maintained by MoneySherpa and required by the Corporations Act and which meets ASIC’s requirements.

 PRIVACY

We may collect your personal information directly from you when you attend a live event, webinar or request a professional referral; however, we do not share your information with any third parties without your consent unless required to by law.