{
  "product_provider": "SBS Bank Wealth (Lifestages)",
  "slug": "sbs-bank-wealth-lifestages",
  "name_variants_in_corpus": [
    "SBS Bank Wealth (Lifestages)"
  ],
  "page_url": "https://financeadvisers.co.nz/network/insurer/sbs-bank-wealth-lifestages/advisers",
  "parent_page_url": "https://financeadvisers.co.nz/network/insurer/sbs-bank-wealth-lifestages",
  "data_state": "pds-ingested",
  "city": null,
  "fap_count": 1,
  "total_advisers": 4,
  "advisers_returned": 4,
  "edge_as_of": "2026-06-01",
  "coverage": {
    "provider": "SBS Bank Wealth (Lifestages)",
    "city": null,
    "advisers": {
      "carries": 4,
      "does_not": 3625,
      "unknown": 5523,
      "total": 9152
    },
    "firms": {
      "carries": 1,
      "does_not": 290,
      "unknown": 2132,
      "total": 2423
    },
    "spellings_matched": [
      "SBS Bank Wealth (Lifestages)"
    ],
    "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": "FSP514807",
      "name": "Isbister Financial Services Limited",
      "adviser_count": 4,
      "slug": "isbister-financial-services-limited-fsp514807",
      "profile_url": "https://financeadvisers.co.nz/provider/isbister-financial-services-limited-fsp514807",
      "disclosure_md_url": "https://financeadvisers.co.nz/api/provider/FSP514807/disclosure.md",
      "facts_url": "https://financeadvisers.co.nz/api/provider/FSP514807/facts.json"
    }
  ],
  "advisers_list": {
    "returned": 4,
    "total_matching": 4,
    "truncated": false,
    "offset": 0,
    "next_offset": null
  },
  "advisers": [
    {
      "fsp_number": "FSP1005530",
      "name": "Janet Ruth Isbister",
      "slug": "janet-ruth-isbister-cambridge-FSP1005530",
      "profile_url": "https://financeadvisers.co.nz/adviser/janet-ruth-isbister-cambridge-FSP1005530",
      "fap_fsp_number": "FSP514807",
      "fap_name": "Isbister Financial Services Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/janet-ruth-isbister-cambridge-FSP1005530/can-advise-on",
      "city": "Cambridge"
    },
    {
      "fsp_number": "FSP574147",
      "name": "Kylie June Chandler",
      "slug": "kylie-june-chandler-porirua-FSP574147",
      "profile_url": "https://financeadvisers.co.nz/adviser/kylie-june-chandler-porirua-FSP574147",
      "fap_fsp_number": "FSP514807",
      "fap_name": "Isbister Financial Services Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/kylie-june-chandler-porirua-FSP574147/can-advise-on",
      "city": "Porirua"
    },
    {
      "fsp_number": "FSP499746",
      "name": "Matthew Robert Isbister",
      "slug": "matthew-robert-isbister-cambridge-FSP499746",
      "profile_url": "https://financeadvisers.co.nz/adviser/matthew-robert-isbister-cambridge-FSP499746",
      "fap_fsp_number": "FSP514807",
      "fap_name": "Isbister Financial Services Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/matthew-robert-isbister-cambridge-FSP499746/can-advise-on",
      "city": "Cambridge"
    },
    {
      "fsp_number": "FSP229245",
      "name": "Tania Delwyn Alison Smith",
      "slug": "tania-delwyn-alison-smith-katikati-FSP229245",
      "profile_url": "https://financeadvisers.co.nz/adviser/tania-delwyn-alison-smith-katikati-FSP229245",
      "fap_fsp_number": "FSP514807",
      "fap_name": "Isbister Financial Services Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/tania-delwyn-alison-smith-katikati-FSP229245/can-advise-on",
      "city": "Katikati"
    }
  ],
  "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 SBS Bank Wealth (Lifestages) 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."
}