Legal Structure and Related Compliance
Brett Rubin is the Authorised Key Individual and Representative for the Authorised Financial Service Provider (FSP), Rubin & Associates CC (R&A); which trades as Alchemy Financial Solutions. He is also a Member of R&A.

The FSP Licence number for R&A is 6594, and it is authorized to render advice and recommend financial products in respect of the following types of financial products: Long-term Insurance: Category A, B and C; Pension Fund Benefits; Retail Pension Benefits; Interests in Collective Investment Schemes and Health Services Benefits.

All fees will be disclosed prior to concluding any transaction. A full schedule of the current fees is available upon request.

The compliance of R&A with the Financial Advisory and Intermediary Services Act, 2002 (FAIS) is monitored by Riana Grobler of CompliServe SA (Pty) Ltd, a licenced Compliance Practice, CO 194, who is contactable on 0861 273 783 or email

Potential and actual conflicts of interest are inherent in any business. R&A remains proactive in identifying and managing such conflicts, as and when they occur. R&A maintains an active Conflicts of Interest Management Policy. A copy of the policy is available on request.

The Promotion of Access to Information Act (PAIA) Manual for R&A is available on request.

Further details of R&A and Brett Rubin are available on request.