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      "city": "Hastings"
    },
    {
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      "profile_url": "https://financeadvisers.co.nz/adviser/grae-cooper-gillespie-hastings-FSP1003935",
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      "city": "Hastings"
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    {
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      "profile_url": "https://financeadvisers.co.nz/adviser/ian-andrew-fraser-hastings-FSP358006",
      "fap_fsp_number": "FSP42652",
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      "city": "Hastings"
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      "profile_url": "https://financeadvisers.co.nz/adviser/judith-mary-steiner-napier-FSP91661",
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      "city": "Napier"
    },
    {
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      "slug": "kate-maree-gustafson-hastings-FSP1009158",
      "profile_url": "https://financeadvisers.co.nz/adviser/kate-maree-gustafson-hastings-FSP1009158",
      "fap_fsp_number": "FSP42652",
      "fap_name": "Cole Murray Group Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/kate-maree-gustafson-hastings-FSP1009158/can-advise-on",
      "city": "Hastings"
    },
    {
      "fsp_number": "FSP84206",
      "name": "Michael Jonothan Murray",
      "slug": "michael-jonothan-murray-hastings-FSP84206",
      "profile_url": "https://financeadvisers.co.nz/adviser/michael-jonothan-murray-hastings-FSP84206",
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      "profile_url": "https://financeadvisers.co.nz/adviser/nobin-antony-hastings-FSP1009740",
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      "fap_name": "Cole Murray Group Limited",
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      "city": "Hastings"
    },
    {
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      "name": "Peter Wiremu Barry",
      "slug": "peter-wiremu-barry-napier-FSP447066",
      "profile_url": "https://financeadvisers.co.nz/adviser/peter-wiremu-barry-napier-FSP447066",
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      "city": "Hastings"
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      "fap_fsp_number": "FSP42652",
      "fap_name": "Cole Murray Group Limited",
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      "city": "Hastings"
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    {
      "fsp_number": "FSP113144",
      "name": "Steven Lewis Davies",
      "slug": "steven-lewis-davies-hastings-FSP113144",
      "profile_url": "https://financeadvisers.co.nz/adviser/steven-lewis-davies-hastings-FSP113144",
      "fap_fsp_number": "FSP42652",
      "fap_name": "Cole Murray Group Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/steven-lewis-davies-hastings-FSP113144/can-advise-on",
      "city": "Hastings"
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    {
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      "profile_url": "https://financeadvisers.co.nz/adviser/susan-therese-daulby-hastings-FSP331346",
      "fap_fsp_number": "FSP42652",
      "fap_name": "Cole Murray Group Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/susan-therese-daulby-hastings-FSP331346/can-advise-on",
      "city": "Hastings"
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    {
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      "name": "Tania Dorothy Heighway",
      "slug": "tania-dorothy-heighway-hastings-FSP649709",
      "profile_url": "https://financeadvisers.co.nz/adviser/tania-dorothy-heighway-hastings-FSP649709",
      "fap_fsp_number": "FSP42652",
      "fap_name": "Cole Murray Group Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/tania-dorothy-heighway-hastings-FSP649709/can-advise-on",
      "city": "Hastings"
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  ],
  "overflow": null,
  "as_of": "2026-06-02",
  "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 Southern Cross Health Society 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."
}