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RG146 Questions

What is RG146?

ASIC issued Regulatory Guide number 146 (RG146) as a guide to the minimum education standards required for those who wish to provide financial advice in the Australian market place. 

So what is an RG146 course?

This term is generally used to refer to a course of study that has been designed to provide education in the areas outlined in RG146.

Will an RG146 course cover all areas of RG146?

There are many and varied areas covered by ASIC in RG146, and it is unlikely that someone wanting to be licensed will need to be authorised in every single aspect.

Because of this, most RG146 courses cover basic elements that most financial services licenses are authorised for, but not the full scope covered in the regulatory guide.

Can I start giving advice once I have completed the study?

No.  You must be authorised by an Australian Financial Services Licence (AFSL) to be able to give financial advice.  The completion of the course only provides you with the education an AFSL requires to authorise you to give advice.

How do I know if an RG146 course covers what I need?

If you are seeking to provide financial advice, understand what it is you will be authorised to provide advice on. This list of authorisations should then be compared to what the RG146 course covers, to make sure that it will provide you with the education required to allow you to be authorised in these areas.

I want to become licenced* to provide advice in SMSF?

The minimum education requirements to become licenced to provide advice in Self-Managed Superannuation Funds consists of two ASIC approved areas of learning; SMSF and Superannuation, plus generic knowledge and skills.

If you are looking for accredited training in these areas our SMSF Personal Advice course could be perfect for you. Pinnacle’s SMSF Personal Advice course offers a blend of both SMSF and Superannuation to provide you with ASIC RG146 education requirements in both areas of learning.

You will receive a Statement of Attainment upon successful completion of this course to provide to your AFSL of choice.

*other conditions apply

Questions prior to enrolling

How long will it take to complete my studies?

At Pinnacle, the maximum course duration will be outlined on the course brochure and on your training plan.

How fast can I progress through the course?

With Pinnacle there are no minimum times frames for completing the course, you can progress through each of the courses at your own pace. The maximum time frame that you have will be outlined in the course brochure and on your training plan. This will vary with each qualification. Students with a good grasp of the course content and who can devote a lot of time to study often complete the course in a much shorter time frame.

When can I start?

One of the major advantages of enrolling with Pinnacle is that you can start at any time. We don’t have fixed enrolment periods or set semesters. Some learners have the time to fully focus and complete the qualifications in the minimal amount of time, while others, due to life and work commitments, need to take things slower. At Pinnacle, you can study at your own pace.

Fees and Payments

Can I claim the fees as a tax deduction?

You may be able to claim the module fees as a tax deduction if your studies are directly related to your current employment. We strongly advise that you discuss your eligibility to claim a tax deduction for your fees with your tax adviser or with the Australian Taxation Office (

How do I pay my fees?

At Pinnacle you can pay for your studies using the following methods:

  • Credit cards (Visa, MasterCard and American Express)
  • Electronic funds transfer
  • Payment plans

How much does it cost to study with Pinnacle?

Pinnacle’s prices are outlined on the enrolment form of each specific course.

Fees associated with applying for Recognition of Prior Learning (RPL) are included in the course fee. There are no reductions in course fees for RPL.

What is a payment plan? How does it work?

A payment plan provides you with the freedom to start your studies today, but spread the payments out over a total period of seven months.  Payment plans are available when you enrol in an online course to the value of at least $800.  You pay an initial 25% of the course fee and then the remaining six payments, plus a $25 admin fee every month, will be deducted from your account on the 15th of every month starting 1 month after you enrol.


If your total study comes to $1005, you would be required to pay $251.28 up front when you enrol and $150.62 on the 15th of the next month for the next six months as your monthly instalment. The total payable under the payment plan for this example is $1155.

What if I miss a payment?

If a scheduled payment is unsuccessful you will receive an email. We will attempt to redebit your account 5 days after the failed payment.

If any monthly payment is unsuccessful for a second time, you will be withdrawn from the course. To regain access to the course you must pay the remaining amount in full within 3 months of the date of the unsuccessful payment. If you fail to pay outstanding amount within 3 months, you will be permanently withdrawn from the course and will have to re-enrol should you want to continue your studies.

All educational services will be suspended until failed payments are reconciled. This means you will not have access to the online training and assessment system, new course material, student services and marking.

Can I make an earlier payment?

Yes, just send us an email if you wish to make a one-off payment to finalise the fees or if you wish to increase your monthly instalments.

Can I receive my certificate before my payment plan is finalised?

Pinnacle does not issue certificates until the fees are paid in full.

Can I change my payment details/method once the payment plan has commenced?

Yes, simply email us at

Studying with Pinnacle

When do I enrol for my next course?

Depending upon the course, qualification and funding options, students may enrol in a single unit of competence or an entire qualification.

Printed course material is sent to students that have requested it, and access to online material will be provided.

Students that are enrolled and have paid for multiple units of competence should order the course material when enrolling.

On the enrolment form, select which qualification or units you would like.  The material is sent out by express post, within 5 working days of receipt of a paid enrolment.


What assessment activities do I need to complete?

Specific assessment requirements are outlined on the individual course brochures.

You will be provided with assessment information specific to the course you are studying. This information will include how, where and when you will be assessed. In general, the assessment activities might consist of:

  • Short answer questions, oral and/or written
  • Multiple choice questions
  • Case study/scenario and discussion
  • Short assignments
  • Demonstration of skills
  • Practical activities

For all assignments you will need to sign a student declaration to verify that the work is your own. In the case of assignments, you must ensure that you do not plagiarise and that you follow correct referencing procedures.

Assessment activities will be graded against the performance criteria for each course. 

Responses to the assessment activities might be drawn from:

  • The theory/information contained in this resource
  • Additional reading and research
  • Supplementary materials provided by the trainer/assessor
  • Practical experience

Written/oral questions are designed to enable assessment of the required knowledge. Where appropriate they may also enable assessment of elements and performance criteria.

Assignments and assessment tasks are designed to enable holistic assessment of the unit of competency if possible.

How long do they take to mark?

Up to 21 days from submission

What is a Skills Assessment?

A skills assessment is a role play undertaken between you and an assessor over the phone. Using the Statement of Advice (SoA) that you have previously prepared and submitted for assessment, you take the assessor through the SoA as though they are a client. This usually takes about 40 minutes.

When can I do my Skills Assessment?

You can do your skills assessment after your assessment has been assessed as competent.

Who arranges my Skills Assessment?

Once your assessment has been deemed competent your student adviser will contact you with the results and arrange the skills assessment between you and your assessor. This can take up to 14 days to arrange.

Issuing Qualifications and Statements of Attainment

How long does it take for my certificates to be processed?

It can take up to 21 days from the time all your assessments have been deemed competent.

Can I get them emailed to me?

No. We can only Post your credentials to you to keep the integrity of the credentials secure.

Can I get them reissued?

Yes. You need to request this at or email your student adviser. There is a fee for reissue and it can take up to 21 days.

Contact Us

  • Pinnacle Financial Services Academy Pty Ltd
  • 29-33 Palmerston Cres
  • South Melbourne VIC 3205
  • Phone: 1300 782 822
  • RTO Provider Number: 91217
  • ABN: 74 116 541 256
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