{
  "fsp_number": "FSP769811",
  "name": "Nadine Frances Higgins",
  "slug": "nadine-frances-higgins-parnell-FSP769811",
  "profile_url": "https://financeadvisers.co.nz/adviser/nadine-frances-higgins-parnell-FSP769811/can-advise-on",
  "fap": {
    "fsp_number": "FSP23242",
    "name": "Advicefirst Limited",
    "disclosure_md_url": "https://financeadvisers.co.nz/api/provider/FSP23242/disclosure.md",
    "facts_url": "https://financeadvisers.co.nz/api/provider/FSP23242/facts.json",
    "fspr_url": "https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP23242"
  },
  "product_panel_via_fap": {
    "data_state": "pds-ingested",
    "count": 28,
    "as_of": "2026-05-23",
    "providers": [
      {
        "provider": "AIA",
        "raw_name": "AIA",
        "confidence_tier": "C"
      },
      {
        "provider": "Amova Asset Management New Zealand Limited",
        "raw_name": "Amova Asset Management New Zealand Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "AMP KiwiSaver scheme",
        "raw_name": "AMP KiwiSaver scheme",
        "confidence_tier": "C"
      },
      {
        "provider": "AMP Wealth Management New Zealand Limited",
        "raw_name": "AMP Wealth Management New Zealand Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "Asteron Life",
        "raw_name": "Asteron Life",
        "confidence_tier": "C"
      },
      {
        "provider": "Bentham Asset Management",
        "raw_name": "Bentham Asset Management",
        "confidence_tier": "C"
      },
      {
        "provider": "Booster KiwiSaver scheme",
        "raw_name": "Booster KiwiSaver scheme",
        "confidence_tier": "C"
      },
      {
        "provider": "Chubb Life",
        "raw_name": "Chubb Life",
        "confidence_tier": "C"
      },
      {
        "provider": "Fidelity Life",
        "raw_name": "Fidelity Life",
        "confidence_tier": "C"
      },
      {
        "provider": "Fisher Funds KiwiSaver Scheme",
        "raw_name": "Fisher Funds KiwiSaver Scheme",
        "confidence_tier": "C"
      },
      {
        "provider": "Fisher Managed Funds Limited",
        "raw_name": "Fisher Managed Funds Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "Generate KiwiSaver scheme",
        "raw_name": "Generate KiwiSaver scheme",
        "confidence_tier": "C"
      },
      {
        "provider": "Harbour Asset Management Limited",
        "raw_name": "Harbour Asset Management Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "Hunter Investment Funds",
        "raw_name": "Hunter Investment Funds",
        "confidence_tier": "C"
      },
      {
        "provider": "iShares",
        "raw_name": "iShares",
        "confidence_tier": "C"
      },
      {
        "provider": "Magellan Asset Management Limited",
        "raw_name": "Magellan Asset Management Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "Mercer (N.Z) Limited",
        "raw_name": "Mercer (N.Z) Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "Milford Asset Management",
        "raw_name": "Milford Asset Management",
        "confidence_tier": "C"
      },
      {
        "provider": "Milford KiwiSaver Scheme",
        "raw_name": "Milford KiwiSaver Scheme",
        "confidence_tier": "C"
      },
      {
        "provider": "nib",
        "raw_name": "nib",
        "confidence_tier": "C"
      },
      {
        "provider": "OneAnswer",
        "raw_name": "OneAnswer",
        "confidence_tier": "C"
      },
      {
        "provider": "OneAnswer KiwiSaver scheme",
        "raw_name": "OneAnswer KiwiSaver scheme",
        "confidence_tier": "C"
      },
      {
        "provider": "Partners Life",
        "raw_name": "Partners Life",
        "confidence_tier": "C"
      },
      {
        "provider": "Resolution Capital Limited",
        "raw_name": "Resolution Capital Limited",
        "confidence_tier": "C"
      },
      {
        "provider": "Resolution Life",
        "raw_name": "Resolution Life",
        "confidence_tier": "C"
      },
      {
        "provider": "Schroder Investment Management Australia Ltd",
        "raw_name": "Schroder Investment Management Australia Ltd",
        "confidence_tier": "C"
      },
      {
        "provider": "Southern Cross",
        "raw_name": "Southern Cross",
        "confidence_tier": "C"
      },
      {
        "provider": "T Rowe Price International Ltd",
        "raw_name": "T Rowe Price International Ltd",
        "confidence_tier": "C"
      }
    ]
  },
  "as_of": "2026-06-01",
  "provenance": {
    "source": "FAP Public Disclosure Statement (FMC Act 2013 s431) via FinanceAdvisersNZ PDS mirror",
    "extraction": "Sonnet-extracted product_panel; confidence tier C; name variants canonicalised via hand-curated alias list",
    "framing": "Product providers this adviser's FAP has disclosed in their public disclosure statement. AI-summarised from PDS; refer to the original PDS for the authoritative list. Not adviser-specific scope of advice.",
    "verbatim_passthrough": "https://financeadvisers.co.nz/api/provider/FSP23242/disclosure.md",
    "pds_corpus_coverage": "~107 of ~2,444 NZ FAPs (~4.5%) as of 2026-06-01",
    "schema_version": "2026-06-01"
  },
  "notes": "FinanceAdvisersNZ is a directory mirror, not the regulator. Product-panel disclosure is firm-wide (FAP-level), not adviser-specific. For binding regulatory purposes, refer to the FAP's own current Public Disclosure Statement."
}