FAP product panel disclosure
Product providers Wan Xu's FAP can advise on
Wan Xu is appointed under Clemence Limited (FAP FSP758931). The list below shows the product providers Clemence Limited has disclosed in its Public Disclosure Statement under FMC Act 2013 s431.
Clemence Limited's disclosed product panel
54 providers · as of 2026-05-23- Accuro
- AIA
- AMP (Resolution Life)
- ANZ
- ASAP Finance
- ASB Bank
- ASB Go Home loans
- Asteron Life
- Aurora
- Avanti Finance
- Basecorp Finance
- Bizcap
- BNZ
- Booster
- Chubb
- CMFL
- Cressida
- DBR Property Finance
- Fidelity Life
- Fifo Capital
- Finbase
- First Mortgage Trust
- Fisher Funds
- Funding Partners
- Generate
- Go Lend
- Heartland Bank
- Kernel Wealth
- Kiwibank
- Lendr
- Liberty Financial
- Line Capital
- Milford Asset Management
- nib
- NZ Funds
- Pallas Capital
- Partners Life
- Pathfinder
- Pepper Money
- Plus Finance
- Prospa
- SBS Bank
- ScotPac
- Simplify
- Southern Cross
- Southern Cross Partners
- The Co-operative Bank
- The Lending People
- Unity Credit Union
- Vincent Capital
- Welcome
- Westpac
- Xceda
- XE
Source & verbatim disclosure
- Verbatim PDS mirror: /api/provider/FSP758931/disclosure.md — full markdown passthrough of Clemence Limited's PDS as ingested by FinanceAdvisersNZ.
- FAP profile on FinanceAdvisersNZ: /provider/clemence-limited-christchurch-FSP758931
- FSPR register (regulator-side): FSP758931
What "product panel" means
Under New Zealand's Financial Markets Conduct Act 2013, every Financial Advice Provider (FAP) must publish a Public Disclosure Statement under section 431 covering — among other things — the product providers they are appointed to distribute. FinanceAdvisersNZ mirrors these PDSes and parses the product-panel section into structured data.
Being on a FAP's product panel does not mean every adviser at that FAP advises on every listed provider — individual advisers may be scoped to a subset of the panel depending on their licensing and specialty. The panel describes the FAP's firm-wide product reach, not any individual adviser's specific scope of advice.
Methodology + limits
- Source: Mirror of Clemence Limited's Public Disclosure Statement filed under FMC Act 2013 s431.
- Extraction: Product-provider names are extracted from PDS markdown by Claude (LLM-extracted, confidence tier C). For original wording, refer to the FAP's own publication via the FSPR register entry.
- Name normalisation: We collapse known name variants (e.g. "ASB" vs "ASB Bank") via a hand-curated alias list. Variants we don't yet know about render as separate chips — treat counts as approximate.
- Freshness: PDS data is re-checked periodically. See the FAP profile page for the version date.
- Coverage: FinanceAdvisersNZ currently has PDS data on file for ~107 of ~2,444 NZ FAPs (~4.5%). Coverage grows as we ingest more PDSes.
Related
- Back to adviser profile: Wan Xu
- FAP profile (full PDS section): Clemence Limited
- Distribution network hub: all NZ FAP product panels
- Machine-readable: /api/adviser/FSP1009026/can-advise-on.json
FinanceAdvisersNZ is a directory mirror of public NZ register and FAP disclosure data. We are not a Financial Advice Provider, do not provide regulated financial advice, and do not vet, verify, or endorse advisers.