It is important that you read this document
This information will help you to choose a financial adviser that best suits your needs. It will also provide some useful information about the financial adviser that you choose. I am a registered, but not authorised, financial adviser. I have been working as an Insurance Advisor since 2008 and I hold a license granted by the Financial Markets Authority
(FMA) which allows me to give you advice about personal insurances. I can provide advice, as well as transactional services, relating mainly to life, disability, business protection and medical insurance. I can provide advice and recommendations with consideration of most of New Zealand’s top personal insurance product providers. I have agencies with AIA (NZ) Ltd, Partner’s Life, Cigna, Asteron, Fidelity Life and NIB. I am paid on a commission basis from the companies for which products I provide advice and recommendations on. The commission ranges from 1.5 – 2 times your annual premium. This is paid up front and on the basis that your policy remains in force for a minimum of 2 years. If you decide to cancel within this timeframe I am required to repay the commission in proportion. However, there is no charge for the advice I offer and no fee if you decide not to proceed. There is no direct cost to you and no term contracts or penalties for cancellation involved. This can give rise to concern around a conflict of interest but I can assure you I do not accept further incentives or gifts from the companies involved and this allows me to strictly base my advice on what is best for you, the client! The advice I offer and the integrity of that advice is regulated by the FMA and must at all times
• Meet the standards of competence, knowledge, and skill set out in the code of conduct; and
• Give priority to the client’s interests; and
• Exercise care, diligence, and skill; and
• Meet the standards of ethical behaviour, conduct, and client care set out in the code of conduct. What should you do if something goes wrong? If you have a problem, concern, or complaint about any part of my service, please tell me so I can try to fix the problem. You may contact our internal disputes service by telephoning 0273995253 by email: [email protected], or in writing to 36 Third View Ave, Beachlands, Auckland 2018. If we cannot agree on how to resolve the issue, or you decide not to use the internal complaints scheme, you can contact Financial Complaints Services Limited. This service will cost you nothing, and will help us resolve any disagreements. You can contact Financial Complaints Service Limited at -
Address: PO Box 5967 Lambton Quay, Wellington 6145. Telephone Number: 0800 347 257 or (04) 472 3725
Email address: [email protected],
How am I regulated by the Government? You can check that I am a registered financial adviser at http://www.fspr.govt.nz. The Financial Markets Authority regulates financial advisers. Contact the Financial Markets Authority for more information, including financial tips and warnings. You can report information or complain about my conduct to the Financial Markets Authority, but in the event of a disagreement, you may choose to first use the dispute resolution procedures described above (under “What should you do if something goes wrong?”). Declaration
I, Karl Gardner declare that, to the best of my knowledge and belief, the information contained in this disclosure statement is true and complete and complies with the disclosure requirements in the Financial Markets Conduct Act 2013.
