# Philip Conrad Lumerez Aguda

**FSP FSP1005707** · **Invercargill** · **registered** · registered 2023-06-30

Philip Conrad Lumerez Aguda is an individual financial adviser on the New Zealand Financial Service Providers Register, currently appointed under Advice 4 Life Limited (FAP FSP489726).

**Parent FAP:** Advice 4 Life Limited (FSP489726)
Provider profile: <https://financeadvisers.co.nz/provider/advice-4-life-limited-hamilton-FSP489726>

**Licence type:** Non-licensed
**Display specialty:** Financial Adviser

## Services offered

- Financial advice service (including financial advisers) - Financial adviser

## Specialties (source-tagged)

Each specialty below carries its data source + confidence. Cascade: self-attest 1.00 > PDS 0.90 > PDS-inherited 0.85 > AI-classified 0.70. For binding regulatory statements refer to the source link.

- **life-insurance** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)
- **trauma-insurance** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)
- **income-protection** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)
- **health-insurance** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)
- **general-insurance** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)
- **business-insurance** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)
- **mortgages** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)
- **lending** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)
- **kiwisaver** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)
- **investments** — inherited from parent FAP FSP489726, confidence 0.85 (source: <https://www.advice4life.co.nz/important-information/>)

**Trading names:** Lifetime Group Limited, Lifetime Group Limited, Enva Financial Limited, Enva Financial Limited, Advice4life Limited, Lifetime Group Limited

**Registered address:** 14 Morningside Lane,Rockdale,Invercargill,9812,New Zealand

## Verify

- FSPR register: <https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1005707>
- HTML profile on FA-NZ: <https://financeadvisers.co.nz/adviser/philip-conrad-lumerez-aguda-invercargill-FSP1005707>
- Machine-readable facts: <https://financeadvisers.co.nz/api/adviser/FSP1005707/facts.json>
- All advisers in Invercargill: <https://financeadvisers.co.nz/advisers/invercargill>

*FinanceAdvisersNZ is a directory mirror of public FSPR data. We do not regulate, vet, or endorse advisers, and we do not provide financial advice. For binding regulatory purposes refer to the FSPR record linked above.*

*Last refreshed: 2026-06-20*