# Lifetime Group Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-05-18 - **Source URL:** https://www.lifetime.co.nz/assets/about/Welcome-To-Lifetime.pdf - **Source PDF SHA256:** `fcd250caa7e3ee9835b9a27157cd115a...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** claude-haiku-4-5-20251001 - **Ingested:** 2026-05-18 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP13061/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP13061/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP13061 > **About this document.** FAP Public Disclosure Statements are regulated documents that financial advice providers must publish under the Financial Markets Conduct Act 2013, section 431. The content below is the FA-NZ mirror — machine-parsed from the source PDF on the date shown above. For binding regulatory purposes, refer to the firm's own current publication via the source URL above. --- # Lifetime Public Disclosure Statement ## Welcome If you're reading this, chances are you're about to engage on your journey to financial freedom, exciting times! Before we get started though, it's important that you know a little about us so you can make an informed choice if we are the right financial partners for you. As always, if you have any questions, we're here to help. ## Contents - [About Lifetime](#about-lifetime) - [Lifetime At A Glance](#lifetime-at-a-glance) - [Our Story](#our-story) - [Why Lifetime](#why-lifetime) - [Partners](#partners) - [Product Partners](#product-partners) - [Professional Referrals](#professional-referrals) - [Professional Standards](#professional-standards) - [Licencing](#licencing) - [Conduct](#conduct) - [Training](#training) - [Conflicts Of Interest](#conflicts-of-interest) - [Service Delivery](#service-delivery) - [Fees & Commissions](#fees--commissions) - [Privacy](#privacy) - [Feedback](#feedback) --- ## About Lifetime ### Lifetime At A Glance | Metric | Value | |--------|-------| | Clients Advised | 100,000+ | | Funds Under Advice | $2B | | Offices in New Zealand | 13 | | Staff | 155+ | | Client Satisfaction | 4.6/5 | | Clients Achieved Their Financial Objectives with Lifetime | 90% | ### A Different Kind of Financial Advice Lifetime. It's a little word with a pretty big meaning. And because you only get the one, it's good to know that there's now a single place for financial advice covering all the 'must haves', the 'would likes' and the 'what if's'. We get that money means different things to different people. But we all agree that it's better to have it, than not. Our services start with a chat, and end with an action plan, using our insights and our knowhow to help you kick some real goals. All so you can build a better life on the journey ahead. For a lifetime. #### Advice for Life Journey | Stage | Description | |-------|-------------| | Engage | It all starts with a chat, to get to know you. | | Discover | We take a deep dive into your goals. | | Analyse | Then, we crunch the numbers. | | Plan | We work with you to develop an action plan. | | Action | Together, we put the plan into action. | | Partner | And we partner, to help keep you on track. | **Underlying Process:** Qualify → Learn → Collate → Assemble → Agree → Progress → Service ### Our Story With roots in New Zealand financial services since the 1980s, Lifetime has grown and evolved over the decades. With a passion for quality advice at the heart of all we do, Lifetime has attracted a number of partners over the years who have merged into the Lifetime of today. Though the name may have changed over the years, the ethos has always remained the same – creating greater financial certainty for clients through all life stages. Today, Lifetime employs over 155 people in 13 locations throughout New Zealand. As a market leader in financial advice, Lifetime is proud to have advised over 100,000 clients and currently manages $2 billion in investment funds. ### Why Lifetime Our purpose is to create greater financial certainty through all life stages. We believe everyone deserves to have access to honest, tested, life-enhancing advice to make good money decisions, for the betterment of their today, and tomorrow. We all know money doesn't buy happiness, but it can buy time and opportunity. Financial prosperity and protection should not be exclusive to those with connections, wealth or a particular surname. We believe everyone deserves a chance to realise their goals in life, and with great advice, we're here to help you do just that. Because success can't always be measured in wealth; your goals define our success. We understand life can be a bit unpredictable, so we bring together a unique set of skills to help provide clarity and insight for your financial future. One such skill all our advisers have; listening. We are here to understand your goals in life and learn what is important to you about money. Only then can we tailor a plan specific to your needs. You can be assured that when you are working with a Lifetime adviser, you are in the care of an entire team of experienced professionals. Whether you are just getting started with KiwiSaver, planning to buy your first home, protecting your financial position, or looking to grow your wealth – we can design a personal financial plan for you. Each life is unique, so should be your financial strategy. In today's world of information, everything is at your fingertips. It can seem easy to find out what you think you need to know about financial planning. The hardest part is knowing if you are making the right decisions. At Lifetime, we will answer the questions you didn't know you had to ask. We deliver this through a wide range of financial services, including: - KiwiSaver structure and management. - Personal and business insurance for life, health and income. - Domestic and commercial general insurance. - Residential, investment and commercial property lending. - Investment and wealth management. - Financial and retirement planning. We deliver this with our Advice For Life philosophy; working in partnership with our clients to ensure your financial plans keep pace with your life. For the 'must haves', the 'would likes' and the 'what ifs', through the ups and the downs, for your lifetime. #### Lifetime's Guiding Principles - **People First** – putting clients at the centre - **Integrity** – operating with honesty and transparency - **Teamwork** – collaborating across our business - **Courage** – making decisions in clients' best interests - **Continuous Improvement** – constantly enhancing our services --- ## Partners ### Product Partners Lifetime works with a group of well-established suppliers with whom we have contractual relationships. We have a close working relationship with these companies, which assists us in providing you with the best possible solution. A full list of these suppliers can be found on our website: https://www.lifetime.co.nz/about-us/providers/ #### Products We Can Advise On - KiwiSaver investments. - Other Investments (managed funds, term deposits and debt securities). - UK Pension and International Superannuation Transfers. - Personal, business and group Insurance (health cover, life cover, disability, income protection and trauma). - Domestic General Insurance (house, contents and landlords cover, motor vehicle and boat insurance). - Commercial General Insurance (commercial property, business interruption, commercial motor, marine liability, professional liability, and cyber insurance). - Loans including mortgages, reverse mortgages and deposit bonds. ### Referrals To Other Professionals If at any time the potential need arises for the use of another professional, we will undertake to refer you to an appropriate professional. If an appropriate professional cannot be located, we will undertake to advise you as soon as possible so that you may engage a professional of your choice. --- ## Professional Standards ### Licencing Lifetime is regulated by the Financial Markets Authority (FMA) and holds two licences under the Financial Markets Conduct Act 2013. - **Financial Advice Providers Licence** registered under FSP13061 - **Discretionary Investments Management Services Licence** registered under FSP422586 You can view these online via the publicly available Financial Services Providers Register. #### Contact You can contact us either by writing to us or coming to see us at one of our many locations across the country. **Head Office:** 520 Colombo Street, Christchurch, 8011, New Zealand **Phone:** 0800 65 64 66 **Website:** https://www.lifetime.co.nz/contact-us/ ### Conduct Our services are bound by the duties of the Financial Markets Conduct Act to give priority to your interests as our client and exercise care diligence and skills in how we do business with you, your family, or your business. To learn more about our licences please visit the Financial Markets Authority site. https://www.fma.govt.nz/compliance/role/financial-advice-provider/ Lifetime and all our advisers adhere to the Code of Professional Conduct for Financial Advice Services in all facets of our practice. The Code sets out industry standards of competence, ethical behaviour, conduct, and care. ### Training Every Lifetime Financial Adviser undergoes ongoing professional development and training at Lifetime. #### Lifetime Academy Lifetime is dedicated to supporting education across our business and have an internal academy tasked with ongoing training for all teams with attention on client outcomes, best practice and compliance to legislative requirements. #### Strategi Group We partner with Strategi Group who facilitate the industry NZQA qualification for all our advisers and also provide us with oversight on our regulatory obligations. Strategi is an experienced specialist in the financial services industry in the provision of compliance, training and consulting services to financial advisers. ### Conflicts Of Interest As a provider of professional financial advice services, Lifetime and its Financial Advisers are committed to prioritising the interests of clients when providing advice. To ensure transparency, we address potential conflicts of interest through several measures. **Lifetime Financial Advisers are salaried employees and do not receive any individual compensation from Product Providers based on the solutions recommended or implemented.** To maintain objectivity, we are not under any commercial obligation to favour any particular Product Provider. However, there may be instances where Lifetime and its Financial Advisers receive additional benefits from these Providers based on the business we place with them. Such benefits may include special events, entertainment, or other incentives, and these can vary depending on the Provider and over time. Whether or not to accept such benefits is determined at Lifetime's discretion. Lifetime has established a policy for managing conflicts of interest. Should any actual or potential conflict arise, your Lifetime Financial Adviser will promptly inform you, allowing you to assess the advice provided with full objectivity. #### Other Interests ##### Booster Financial Services Limited (BFSL) BFSL and its associated subsidiaries, is a privately-owned company providing investment management, research, portfolio administration, technology solutions, software and marketing services to Lifetime. Lifetime & BFSL have a history dating back to 1998 working together to deliver investment solutions to clients of Lifetime. As a result of this relationship some shareholders in Lifetime may have a minority shareholding in BFSL, from which they may receive dividends from time to time. Conversely some shareholders in BFSL may have a minority shareholding in Lifetime, from which they may receive dividends from time to time. ##### Booster Tahi Limited Partnership (TAHI) TAHI is a private equity fund who partner with and provide capital to help small to medium size business grow long-term sustainable earnings. Booster Financial Services Group Booster Funds Management Limited, a 100% wholly owned subsidiaries of BFSL, is the Investment Manager of TAHI. Booster Tahi GP Limited, a 100% wholly owned subsidiary of BFSL is the General Partner of TAHI. TAHI has a material shareholding interest in Lifetime and may receive dividends from time to time. ##### Other Interests To the best of our knowledge and belief Lifetime is not aware of any other existing or potential conflicts of interest which could impair our impartiality and objectivity as providers of professional services and financial advice. If we do become aware of such conflict before you purchase any products or services, we will inform you as soon as we become aware. --- ## Service Delivery ### Fees & Commissions As our financial advisers are salaried employees all fees and commissions are received by Lifetime as a business. The remuneration that is generated for the advice and service we provide is to support the quality of our business and our relationship with clients now and for their Lifetime. The actual fee charged to you and remuneration we receive will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable and explain how we are remunerated. #### Advice Fees Lifetime may charge a fee for the planning and/or implementation of advice. These fees will be determined by the complexity of the plan and will only apply if agreed with you before any engagement for our services. - The fees charged for our advice and services may be based on a combination of a set dollar amount, or a percentage based fee. - Our agreed advice and service fees may include charges for initial advice, ongoing or annual advice and services. #### Commissions For services in relation to insurance, some investment products and loan products, commissions may be paid by the product provider as follows: - Initial commission - a percentage of the value of your investment contributions, loan balance or insurance premiums; and - Ongoing commission - a percentage of the value of your investment balance, outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the investment or loan, or on renewal of insurance products. #### Other Fees & Charges If applicable Lifetime may charge a fee for other agreed services. In this case, this will be agreed with you initially. ### Your Privacy At Lifetime, we believe that privacy is paramount. It's important to us that you understand how we collect, retain, and use personal information about you, your company, Partnership or Trust to provide you with the services we agree upon. This information is held at our offices and on our systems, which are secure, and cloud based. Under the Privacy Act 2020, you will have access to, or be able to correct any of this information at any time. Lifetime may be obliged to disclose information by law, under Court Orders or Statutory Notices or to industry regulators or independent compliance personnel as part of Lifetime's requirements to meet regulatory and industry standards. You can read our Privacy Statement by visiting our website: [Privacy » Lifetime](https://www.lifetime.co.nz/privacy/) ### Feedback #### Not Happy? We Want to Make Things Right. At Lifetime, people are at the heart of everything we do, so if you have had an experience that didn't meet your expectations, we want to hear about it. We aim to resolve any complaints and concerns efficiently, with professionalism and courtesy. If you have a concern, or complaint about any part of our service, please contact us so that we can rectify the problem. You may contact us by either completing our online form or by communicating directly with our Quality Assurance Team. #### Contacts **General Manager, Standards & Quality Assurance** - **Online:** lifetime.co.nz/about-us/feedbackcomplaints - **Post:** Quality & Assurance Manager, Lifetime Group Ltd, PO Box 25130, Christchurch 8144 - **Email:** quality.assurance@lifetime.co.nz - **Phone:** 0800 656 466 **Financial Disputes Resolution Services** - **Post:** Freepost 231075, PO Box 2272, Wellington 6145 - **Email:** enquiries@fdrs.org.nz - **Phone:** 0508 337 337 - **Website:** https://fdrs.org.nz All Financial Advice Providers are required to be a member of an approved Disputes Resolution Scheme. In the unlikely event where we are unable to find a resolution, you can contact our DRS, Financial Disputes Resolution Services. They are an independent, not-for-profit external dispute resolution scheme that may be able to assist you in resolving the matter at no cost. --- **Lifetime Public Disclosure** **Version 2.4** **Last Updated August 2024**