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"https://financeadvisers.co.nz/adviser/subhash-reghunathan-ramani-auckland-FSP533306", "fap_fsp_number": "FSP691751", "fap_name": "Smartlife Financial Solutions Limited", "can_advise_on_url": "https://financeadvisers.co.nz/adviser/subhash-reghunathan-ramani-auckland-FSP533306/can-advise-on", "city": "Auckland" } ], "overflow": null, "as_of": "2026-09-18", "provenance": { "source": "FAP Public Disclosure Statements (FMC Act 2013 s431) joined to FSPR adviser–FAP appointments via FinanceAdvisersNZ PDS mirror", "extraction": "Sonnet-extracted product_panel; confidence tier C; provider-name variants canonicalised via hand-curated alias list", "framing": "Advisers at FAPs that have disclosed AMP Insurance in their PDS product panel. AI-summarised from PDS; refer to each FAP's original disclosure for the authoritative list. Not adviser-specific scope of advice.", "verbatim_passthrough_per_fap": "See faps[].disclosure_md_url", "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 each FAP's own current Public Disclosure Statement." }