# New Zealand Advice Group Limited — Public Disclosure Statement

*Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.*

- **Version date:** 2026-06-01
- **Source URL:** https://www.nzadvicegroup.co.nz/financial-advice-provider-disclosure/
- **Source PDF SHA256:** `81be8edb567e05ac5de15b52c8fb22dc...`
- **Confidence tier:** C (LLM-extracted from PDF)
- **Extracted via:** sonnet-html-v1
- **Ingested:** 2026-06-01
- **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP331706/facts.json)
- **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP331706/filings.json)
- **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP331706

> **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.

---
# Financial Advice Provider Disclosure

**New Zealand Advice Group**
**Financial Advice Provider (FAP)**

*April 7th 2026*

---

## Licensing Information

New Zealand Advice Group LTD (NZAG) holds a license to operate as a FAP and provide a financial advice service in New Zealand. **FSP331706**

---

## Nature and Scope of the Advice

NZAG is able to provide the financial adviser services described below:

- Providing a financial adviser service
- Life Insurance
- Trauma Insurance
- Income and Mortgage Protection
- Health Insurance
- Total and Permanent Disablement Insurance
- Retirement Savings Advice
- KiwiSaver

We have agency agreements in place with over 14 companies so we can give options and comparisons to our clients.

---

## Fees or Expenses

Analysing the suitability of the provision of products and/or services to you and providing a financial service to you in the form of a Statement of Advice and all associated documentation is given as a service. There is no cost to you for the entire term of the mutually agreed engagement. NZAG is paid by the Insurance/Home Loan Company in the form of commission and retirement or investment savings in the form of a fee and trail commission. NZAG may also receive ongoing commission for the life of the product(s) placed. You will not be billed or asked to pay any fees to NZAG at any time even if the engagement of services is terminated by either party. Some organisations may give NZAG or its individual advisers non-financial benefits depending on the decisions that you make.

---

## Conflicts of Interest and Incentives

As a provider of professional financial adviser services, NZAG and its advisers have an obligation to act in the interests of our clients when making a recommendation. In providing advice to you, should any actual or potential conflict of interest arise then we undertake to bring any such conflict of interest to your notice so that you may assess our advice objectively.

---

## Complaints Handling and Dispute Resolution

If you have a problem, concern, or complaint about any part of our service, please tell us so that we can try to fix the problem for you using our internal complaints process.

If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our Disputes Resolution Scheme; this service will cost you nothing, and will help us resolve any disagreements.

You can contact **The IFSO** at:

| | |
|---|---|
| **Address** | P.O Box 10-845, Wellington NZ |
| **Telephone** | 04 499 7612 |
| **Email** | info@ifso.nz |

---

## Duties Information

When we give advice we follow the internationally recognised six-step process:

1. Establishing the client-adviser relationship
2. Gathering client data and determining your goals and expectations
3. Analysing and evaluating the client's financial position, personal and business insurance, home loan situation and retirement planning
4. Developing and presenting written advice
5. Overseeing the implementation of the plan
6. Monitoring and reviewing the plan

We must comply with the Code of Professional Conduct for Financial Advisers and must meet legal duties, standard of competence, knowledge and skill of the code of conduct. We must also give priority to our clients' interests, exercise care, diligence and skill and meet the standards of ethical behaviour.

We also have other obligations under the Financial Markets Conduct Act 2013 (including regulations made under that Act) and under the general law.

---

## Contact Details

| | |
|---|---|
| **New Zealand Advice Group** | FSP331706 |
| **New Zealand Advice Group Mortgages** | FSP427366 |
| **Discount Life** | FSP773991 |
| **New Zealand Advice Group Investments** | FSP621049 |
| **New Zealand Advice Group Waikato LTD** | FSP1011553 |

**Address:** P.O Box 44366 Point Chevalier Auckland 1246

**Trading name:** New Zealand Advice Group LTD or NZ Advice Group, Discount Life LTD

**Telephone:** 0800 230 235

**Email:** admin@nzadvicegroup.co.nz

**Physical address:** 483 Rosebank Road, Avondale, Auckland 1026