The information below provides a clear outline on what we areas we provide advice as Financial Advisers, how we get paid, how to make a claim and how to make a complaint.
Our disclosure statements outline the type of advisers we are, including areas we can and cannot provide advice, and what to do in the event you need to make a claim or are unsatisfied. We are legally obligated to provide each customer with this, before offering any sort of advice. This will be provided to you physically, digitally and is also available at all times on our website.
You can download from the link below.
Making a claim
If you need to make a claim, contact us directly as we will guide you through the claims process. We have a claims team on hand to make this process simple.
Areas of advice
We can provide advice in the following areas:
KiwiSaver Class Advice
Equity Extraction Insurance
Debt Protection Insurance
Key Person Protection Insurance
Shareholder Protection Insurance
Group Scheme Insurance
Areas we don’t provide advice:
Legal or Accounting advice.
General Insurance such as home, contents, pets, travel, public liability, professional indemnity.
Mortgages or specific investment advice.
However we have strong relationships with companies that do, so we refer our clients to them if needed. If we refer our clients to another insurer, or mortgage adviser, we may be paid through commission for providing the referral.
If something goes wrong
If you are unhappy with the service provided by us, or one of the insurance companies we worth with, please contact us in the first instance so we can make the situation right. We have a formal complaints handling process, and we will do all we can to rectify the situation. The external disputes resolution scheme and their contact details are detailed in our disclosure statement
How we are paid
If we put in place an insurance policy for you, we will receive a payment direct from the insurance company, which is paid when the policy commences. This doesn’t cost you anything, and doesn’t impact your premium because you chose to use a Financial Adviser. We will also receive an ongoing payment for the life of the policy - This is our fee to continue servicing you as a client, and so we can continue to keep our office operating. The amount we are paid depends on the first years premium, and ongoing commissions range are usually around 7% of the premium.
If you would like any further clarification around how we are paid, please speak to the adviser directly.