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      "fap_fsp_number": "FSP1002543",
      "fap_name": "Guardian Smith Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/timothy-robert-mcgill-christchurch-FSP1008671/can-advise-on",
      "city": "Christchurch"
    },
    {
      "fsp_number": "FSP749711",
      "name": "Zack Stephen Hartshorne",
      "slug": "zack-stephen-hartshorne-blenheim-FSP749711",
      "profile_url": "https://financeadvisers.co.nz/adviser/zack-stephen-hartshorne-blenheim-FSP749711",
      "fap_fsp_number": "FSP1002543",
      "fap_name": "Guardian Smith Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/zack-stephen-hartshorne-blenheim-FSP749711/can-advise-on",
      "city": "Blenheim"
    }
  ],
  "overflow": null,
  "as_of": "2026-06-01",
  "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 CFML 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."
}