Legal Structure and Related Compliance
Karen Mackenzie is the Authorised Key Individual and Representative for the Authorised Financial Service Provider (FSP), Karen Mackenzie Financial Solutions CC (KMFS); which trades as Alchemy Financial Solutions. She is also a Member of KMFS.

The FSP Licence number for KMFS is 30576, 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 KMFS 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. KMFS remains proactive in identifying and managing such conflicts, as and when they occur. KMFS 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 KMFS is available on request.

Further details of KMFS and Karen Mackenzie are available on request.