Disclosure Statement


Disclosure Statement

This disclosure statement was prepared on 09-11-2016

It is important that you read this document.

This information will help you choose a financial adviser that best suits your needs.

It will also provide some useful information about the adviser you do choose.

What sort of adviser am I?

I am a registered, but not authorised financial adviser.

I have an NZQA qualification “National Certificate Financial Services Level 5”

I give advice specific to loss of income caused by illness, accident and death of a key income producing person in your business and family.

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 that I can try to fix the problem.

If we can not agree on how to fix the issue you can contact the Insurance and Savings Ombudsman’s Dispute Resolution Scheme and quote FSP317266. This service will cost you nothing, and will help us resolve any disagreements.

PO Box 10845 Wellington 6143 Phone 0800 888 202 www.iombudsman.org.nz

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 (FMA) 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 FMA, but in the event of a disagreement you may first choose to use the dispute resolution procedures described above under “what should you do if something goes wrong?”


I Duncan Wait, 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 Advisers Act 2008 and the Financial Advisers (Disclosure) Regulations 2010.