Financial Advice
Money is deeply personal. The decisions you make are rarely just about numbers. They are about your life, your responsibilities, your transitions, and your peace of mind.
Some of the work I do through Helen Russo Advisory is unregulated and focused on human, strategic and advisory support. When I provide personal financial advice, however, I do so within one of the most highly regulated professions in Australia.
That financial advice is provided through my financial advice business, Encompass Wealth, under Australia’s financial services laws. This ensures you are protected by clear standards, strong governance, and formal consumer safeguards.
In plain English: you get the same Helen, the same care, clarity, and straight talking, but within a structure designed to protect you and your interests.
How the structure works
For financial advice services:
Helen Russo is an Authorised Representative
Gemminni Pty Ltd ABN 84 163 410 704, trading as Encompass Wealth, is an Authorised Representative
Both operate under the licence of Infocus Securities Australia Pty Ltd ABN 47 097 797 049
AFSL and Australian Credit Licence Number: 236523
Infocus is responsible for the financial services and product advice provided to you by its authorised representatives, within their authorisation.
This structure exists to ensure financial advice is delivered in a properly regulated, monitored, and accountable framework, so you can have confidence, clarity, and peace of mind about the advice you receive.
What this means for you
This is where human insight and financial expertise come together.
When you engage me for financial advice through Encompass Wealth, you can expect:
Advice provided in line with Australian financial services laws
Clear documentation explaining the advice you receive
Transparent explanations of fees, costs, and how I’m paid
Recommendations disclosed clearly in your advice document
Access to formal complaints and dispute resolution processes if ever needed
You’ll also receive a Financial Services Guide (FSG), which explains:
Who we are and how we’re authorised
The types of services we can provide
How fees and remuneration work
How to raise any concerns or complaints
The InFocus Financial Services Guide is provided in two parts. Part One contains general information about InFocus. Part Two contains information about your adviser, including scope of authority and remuneration. Both parts must be read together.
You can access these here:
You can read our Privacy Policy here:
A human approach within a regulated framework
While the regulatory structure is important, the way I work with you does not change.
My approach to financial advice is thoughtful, plain-spoken, and grounded in your real life, especially during times of change and transition, when decisions often carry more weight than numbers alone. I focus on clarity, understanding, and both financial and non-financial wealth.
The difference is simply that financial advice comes with additional legal and professional obligations. That is a good thing. It is there to protect you and to ensure important decisions are made carefully and transparently.
Important distinction
Not all of my work is financial advice.
Some services provided through Helen Russo Advisory are unregulated and do not involve financial product advice. When you are receiving financial advice, it will always be clearly provided through Encompass Wealth under the InFocus licence structure described above.
If you are ever unsure which 'hat' I’m wearing, I will always make that clear.
General information
Any information on this website is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, you should consider whether it is appropriate for you.
Where I provide personal financial advice, you will receive an appropriate advice document, such as a Statement of Advice (SoA) or Record of Advice (RoA), and any relevant Product Disclosure Statement (PDS).
Helen Russo is an Authorised Representative and Gemminni Pty Ltd ABN 84 163 410 704 t/as Encompass Wealth are Authorised Representatives of Infocus Wealth Management Ltd ABN 28103 551015 (Infocus) Subsidiaries Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence 236523, Infocus Lending Advisory Pty Ltd ABN 19 134 237 031 Australian Credit Licence No. 392704, Platformplus Pty Ltd ABN 46 103 551 533 AFSL 563335, Alpha Investment Management Pty Ltd ABN 13 122 381 908 AFSL 307379, and Madison Financial Group Pty Ltd ABN 36 002 459 001 AFSL 246679.
Let's talk
If you would like to understand whether your situation calls for regulated financial advice or a different kind of support, the best place to start is a conversation.
We can work out together what kind of help will genuinely serve you and make sure it is delivered in the right way, under the right structure.
Gemminni Pty Ltd ABN 84 163 410 704
Including Helen Russo Advisory, Encompass Wealth and Helen Russo
In the spirit of reconciliation we acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.
Tel 0417 196 178
Email helen@helenrussoadvisory.com.au
GPO Box 2787 Brisbane Qld 4001
Level 4 260 Queen Street Brisbane Qld 4000
By appointment only
