{
  "product_provider": "Lifestyle Money",
  "slug": "lifestyle-money",
  "name_variants_in_corpus": [
    "Lifestyle Money Limited"
  ],
  "page_url": "https://financeadvisers.co.nz/network/insurer/lifestyle-money/advisers",
  "parent_page_url": "https://financeadvisers.co.nz/network/insurer/lifestyle-money",
  "data_state": "pds-ingested",
  "city": null,
  "fap_count": 1,
  "total_advisers": 23,
  "advisers_returned": 23,
  "edge_as_of": "2026-05-24",
  "coverage": {
    "provider": "Lifestyle Money",
    "city": null,
    "advisers": {
      "carries": 23,
      "does_not": 3606,
      "unknown": 5523,
      "total": 9152
    },
    "firms": {
      "carries": 1,
      "does_not": 290,
      "unknown": 2132,
      "total": 2423
    },
    "spellings_matched": [
      "Lifestyle Money Limited"
    ],
    "definitions": {
      "carries": "Their firm's (FAP's) disclosure statement names this provider.",
      "does_not": "Their firm's disclosure statement was read and does not name this provider. This does not mean the adviser cannot advise on it — a firm may advise on products it has not listed, and a disclosure is a point-in-time document.",
      "unknown": "We hold no extracted product panel for their firm, so we cannot say either way. Never count these as not carrying the provider.",
      "advisers": "Individual advisers (fsp_type individual) with a current FAP appointment on the FSPR. An adviser appointed by several FAPs is counted once: carries if any of their FAPs names the provider, else does_not if any of their FAPs has a panel on file, else unknown.",
      "firms": "FAPs with at least one current individual adviser in scope.",
      "rule": "carries + does_not + unknown = total. Never infer \"does not carry\" by subtracting carries from a total.",
      "wording": "When telling a person, say \"their firm's disclosure statement does not name X\" — never \"this adviser does not offer X\"."
    },
    "caveat": "does_not rests on name matching. A FAP that wrote this provider under a spelling not in spellings_matched is counted as does_not, so treat carries as a lower bound and does_not as an upper bound."
  },
  "faps": [
    {
      "fsp_number": "FSP7461",
      "name": "Loansmart Limited",
      "adviser_count": 23,
      "slug": "loansmart-limited-fsp7461",
      "profile_url": "https://financeadvisers.co.nz/provider/loansmart-limited-fsp7461",
      "disclosure_md_url": "https://financeadvisers.co.nz/api/provider/FSP7461/disclosure.md",
      "facts_url": "https://financeadvisers.co.nz/api/provider/FSP7461/facts.json"
    }
  ],
  "advisers_list": {
    "returned": 23,
    "total_matching": 23,
    "truncated": false,
    "offset": 0,
    "next_offset": null
  },
  "advisers": [
    {
      "fsp_number": "FSP1004981",
      "name": "Adnan Topiwala",
      "slug": "adnan-topiwala-auckland-FSP1004981",
      "profile_url": "https://financeadvisers.co.nz/adviser/adnan-topiwala-auckland-FSP1004981",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/adnan-topiwala-auckland-FSP1004981/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004912",
      "name": "Andrea Michelle Malcolm",
      "slug": "andrea-michelle-malcolm-auckland-FSP1004912",
      "profile_url": "https://financeadvisers.co.nz/adviser/andrea-michelle-malcolm-auckland-FSP1004912",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/andrea-michelle-malcolm-auckland-FSP1004912/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004907",
      "name": "Brady Greig Price",
      "slug": "brady-greig-price-auckland-FSP1004907",
      "profile_url": "https://financeadvisers.co.nz/adviser/brady-greig-price-auckland-FSP1004907",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/brady-greig-price-auckland-FSP1004907/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004880",
      "name": "Corby Greig Price",
      "slug": "corby-greig-price-auckland-FSP1004880",
      "profile_url": "https://financeadvisers.co.nz/adviser/corby-greig-price-auckland-FSP1004880",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/corby-greig-price-auckland-FSP1004880/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004926",
      "name": "Corene Sheree Bates",
      "slug": "corene-sheree-bates-auckland-FSP1004926",
      "profile_url": "https://financeadvisers.co.nz/adviser/corene-sheree-bates-auckland-FSP1004926",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/corene-sheree-bates-auckland-FSP1004926/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1008379",
      "name": "Danielle Hoult",
      "slug": "danielle-hoult-waipapa-FSP1008379",
      "profile_url": "https://financeadvisers.co.nz/adviser/danielle-hoult-waipapa-FSP1008379",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/danielle-hoult-waipapa-FSP1008379/can-advise-on",
      "city": "Waipapa"
    },
    {
      "fsp_number": "FSP1010714",
      "name": "Gerard Irvine",
      "slug": "gerard-irvine-lyttelton-FSP1010714",
      "profile_url": "https://financeadvisers.co.nz/adviser/gerard-irvine-lyttelton-FSP1010714",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/gerard-irvine-lyttelton-FSP1010714/can-advise-on",
      "city": "Lyttelton"
    },
    {
      "fsp_number": "FSP1004923",
      "name": "Jonathan Alexander Wilson",
      "slug": "jonathan-alexander-wilson-auckland-FSP1004923",
      "profile_url": "https://financeadvisers.co.nz/adviser/jonathan-alexander-wilson-auckland-FSP1004923",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/jonathan-alexander-wilson-auckland-FSP1004923/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004919",
      "name": "Julian Alan Sheridan",
      "slug": "julian-alan-sheridan-auckland-FSP1004919",
      "profile_url": "https://financeadvisers.co.nz/adviser/julian-alan-sheridan-auckland-FSP1004919",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/julian-alan-sheridan-auckland-FSP1004919/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004922",
      "name": "Kapila Malhar Panchwagh",
      "slug": "kapila-malhar-panchwagh-auckland-FSP1004922",
      "profile_url": "https://financeadvisers.co.nz/adviser/kapila-malhar-panchwagh-auckland-FSP1004922",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/kapila-malhar-panchwagh-auckland-FSP1004922/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1009712",
      "name": "Keegan Joseph Greig",
      "slug": "keegan-joseph-greig-auckland-FSP1009712",
      "profile_url": "https://financeadvisers.co.nz/adviser/keegan-joseph-greig-auckland-FSP1009712",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/keegan-joseph-greig-auckland-FSP1009712/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004908",
      "name": "Kelly Anne Tere",
      "slug": "kelly-anne-tere-auckland-FSP1004908",
      "profile_url": "https://financeadvisers.co.nz/adviser/kelly-anne-tere-auckland-FSP1004908",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/kelly-anne-tere-auckland-FSP1004908/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004921",
      "name": "Kimberley Ann Duggan",
      "slug": "kimberley-ann-duggan-auckland-FSP1004921",
      "profile_url": "https://financeadvisers.co.nz/adviser/kimberley-ann-duggan-auckland-FSP1004921",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/kimberley-ann-duggan-auckland-FSP1004921/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004916",
      "name": "Melvyn Lim",
      "slug": "melvyn-lim-auckland-FSP1004916",
      "profile_url": "https://financeadvisers.co.nz/adviser/melvyn-lim-auckland-FSP1004916",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/melvyn-lim-auckland-FSP1004916/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1011663",
      "name": "Michael William Savage",
      "slug": "michael-william-savage-auckland-FSP1011663",
      "profile_url": "https://financeadvisers.co.nz/adviser/michael-william-savage-auckland-FSP1011663",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/michael-william-savage-auckland-FSP1011663/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1007363",
      "name": "Minette Angelica Garcia Hawley",
      "slug": "minette-angelica-garcia-hawley-auckland-FSP1007363",
      "profile_url": "https://financeadvisers.co.nz/adviser/minette-angelica-garcia-hawley-auckland-FSP1007363",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/minette-angelica-garcia-hawley-auckland-FSP1007363/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1010713",
      "name": "Raunak Anthony",
      "slug": "raunak-anthony-auckland-FSP1010713",
      "profile_url": "https://financeadvisers.co.nz/adviser/raunak-anthony-auckland-FSP1010713",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/raunak-anthony-auckland-FSP1010713/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004917",
      "name": "Sahil Chawla",
      "slug": "sahil-chawla-auckland-FSP1004917",
      "profile_url": "https://financeadvisers.co.nz/adviser/sahil-chawla-auckland-FSP1004917",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/sahil-chawla-auckland-FSP1004917/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004918",
      "name": "Shayaan Khozem Topiwala",
      "slug": "shayaan-khozem-topiwala-auckland-FSP1004918",
      "profile_url": "https://financeadvisers.co.nz/adviser/shayaan-khozem-topiwala-auckland-FSP1004918",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/shayaan-khozem-topiwala-auckland-FSP1004918/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004950",
      "name": "Siddharth Shivaji Sengupta",
      "slug": "siddharth-shivaji-sengupta-auckland-FSP1004950",
      "profile_url": "https://financeadvisers.co.nz/adviser/siddharth-shivaji-sengupta-auckland-FSP1004950",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/siddharth-shivaji-sengupta-auckland-FSP1004950/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1004920",
      "name": "Stefanie Anne Wilson",
      "slug": "stefanie-anne-wilson-auckland-FSP1004920",
      "profile_url": "https://financeadvisers.co.nz/adviser/stefanie-anne-wilson-auckland-FSP1004920",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/stefanie-anne-wilson-auckland-FSP1004920/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1010142",
      "name": "Tae Won Kim",
      "slug": "tae-won-kim-auckland-FSP1010142",
      "profile_url": "https://financeadvisers.co.nz/adviser/tae-won-kim-auckland-FSP1010142",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/tae-won-kim-auckland-FSP1010142/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP1011657",
      "name": "Trinity Tallulah Greig",
      "slug": "trinity-tallulah-greig-auckland-FSP1011657",
      "profile_url": "https://financeadvisers.co.nz/adviser/trinity-tallulah-greig-auckland-FSP1011657",
      "fap_fsp_number": "FSP7461",
      "fap_name": "Loansmart Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/trinity-tallulah-greig-auckland-FSP1011657/can-advise-on",
      "city": "Auckland"
    }
  ],
  "overflow": null,
  "as_of": "2026-10-12",
  "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 Lifestyle Money 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."
}