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      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/romalyn-mamungay-buking-auckland-FSP1008769/can-advise-on",
      "city": "Auckland"
    },
    {
      "fsp_number": "FSP762271",
      "name": "Vinit Kumar Sangwan",
      "slug": "vinit-kumar-sangwan-hamilton-FSP762271",
      "profile_url": "https://financeadvisers.co.nz/adviser/vinit-kumar-sangwan-hamilton-FSP762271",
      "fap_fsp_number": "FSP509126",
      "fap_name": "Visavis Financial Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/vinit-kumar-sangwan-hamilton-FSP762271/can-advise-on",
      "city": "Hamilton"
    },
    {
      "fsp_number": "FSP1007664",
      "name": "Emma Louise Carmichael",
      "slug": "emma-louise-carmichael-taupo-FSP1007664",
      "profile_url": "https://financeadvisers.co.nz/adviser/emma-louise-carmichael-taupo-FSP1007664",
      "fap_fsp_number": "FSP119349",
      "fap_name": "Zest 2008 Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/emma-louise-carmichael-taupo-FSP1007664/can-advise-on",
      "city": "Taupo"
    },
    {
      "fsp_number": "FSP773814",
      "name": "Hope Frances Appleton",
      "slug": "hope-frances-appleton-taupo-FSP773814",
      "profile_url": "https://financeadvisers.co.nz/adviser/hope-frances-appleton-taupo-FSP773814",
      "fap_fsp_number": "FSP119349",
      "fap_name": "Zest 2008 Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/hope-frances-appleton-taupo-FSP773814/can-advise-on",
      "city": "Taupo"
    },
    {
      "fsp_number": "FSP119431",
      "name": "Larn Colin Robinson",
      "slug": "larn-colin-robinson-taupo-FSP119431",
      "profile_url": "https://financeadvisers.co.nz/adviser/larn-colin-robinson-taupo-FSP119431",
      "fap_fsp_number": "FSP119349",
      "fap_name": "Zest 2008 Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/larn-colin-robinson-taupo-FSP119431/can-advise-on",
      "city": "Taupo"
    },
    {
      "fsp_number": "FSP1010491",
      "name": "Morag Jane McCaughan",
      "slug": "morag-jane-mccaughan-taupo-FSP1010491",
      "profile_url": "https://financeadvisers.co.nz/adviser/morag-jane-mccaughan-taupo-FSP1010491",
      "fap_fsp_number": "FSP119349",
      "fap_name": "Zest 2008 Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/morag-jane-mccaughan-taupo-FSP1010491/can-advise-on",
      "city": "Taupo"
    },
    {
      "fsp_number": "FSP1003852",
      "name": "Tui Isabella Miles",
      "slug": "tui-isabella-miles-taupo-FSP1003852",
      "profile_url": "https://financeadvisers.co.nz/adviser/tui-isabella-miles-taupo-FSP1003852",
      "fap_fsp_number": "FSP119349",
      "fap_name": "Zest 2008 Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/tui-isabella-miles-taupo-FSP1003852/can-advise-on",
      "city": "Taupo"
    }
  ],
  "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 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."
}