# Advice 4 Life Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-05-24 - **Source URL:** https://www.advice4life.co.nz/important-information/ - **Source PDF SHA256:** `e4bc285c13e6f29d59499ca3069975b0...` - **Confidence tier:** B (parsed-PDS structured fact) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-05-24 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP489726/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP489726/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP489726 > **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. --- # Advice4Life Important Information ## Licence Status and Who We Are Advice4Life Limited (FSP489726, trading as Advice4Life Limited) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. Advice4Life Wealth Limited (FSP1011795, trading as Advice4Life Limited) is authorised to provide financial advice under our licence. --- ## Nature and Scope of Our Advice Our financial advisers can provide advice to our clients on: ### Life and Health Insurance - Life cover - Trauma/critical illness cover - Income protection - Medical/health insurance ### Business Insurance - Key person cover - Shareholder protection - Business continuity cover ### General Insurance - House and contents - Motor vehicle ### Home Loans - New lending - Refinancing - Refixing - Top-ups ### KiwiSaver Advice Choosing and reviewing your KiwiSaver provider ### Investments - Managed funds - Investment portfolios - KiwiSaver schemes - Long-term wealth creation - Your existing investments --- ## Product Providers We Work With We have access to a wide range of providers. We will only recommend products that meet your goals and circumstances. ### Life and Health Insurance Providers - AIA New Zealand Limited - Asteron Life Limited - Chubb Life Limited - Fidelity Life Assurance Company Limited - Partners Life Limited - UniMed Insurance Limited - nib New Zealand Limited - Southern Cross Medical Society ### Fire & General Insurance Partners - AON Stylecover - Blanket Insurance ### Lenders - ANZ Bank New Zealand Limited - Avanti Finance Limited - Bank of New Zealand (BNZ) - The Co-operative Bank Limited - Kiwibank Limited - Liberty Financial Limited - Pepper Money New Zealand Limited - Prospa New Zealand Limited - SBS Bank Limited - Unity Bank Limited - Westpac New Zealand Limited ### Managed Fund and KiwiSaver Scheme Providers - ANZ New Zealand Investments Limited - Booster Investment Management Limited - Generate Investment Management Limited - Milford Asset Management Limited - Pathfinder Asset Management Limited (for KiwiSaver only) ### Investment Providers We give financial advice on regulated managed investment products, including: - Managed funds offered by licensed New Zealand fund managers - KiwiSaver scheme providers The specific funds or portfolios we recommend will depend on your goals, timeframe and risk profile. --- ## What We Take Into Account Any advice we provide will be based on the information you give us about your needs, financial situation and goals. We are **not** legal or tax specialists. If you need legal or tax advice, we recommend speaking with a qualified professional. --- ## Our Duties Under the Financial Markets Conduct Act 2013, we and anyone giving financial advice on our behalf must: - Act in your interests and take all reasonable steps to ensure our advice is not influenced by our own interests - Exercise care, diligence and skill - Meet the competence, knowledge and skill standards set by the Code of Professional Conduct for Financial Advice Services - Meet the ethical behaviour, conduct and client care standards in the Code You can read the full Code of Conduct on the FMA website: [www.fma.govt.nz](http://www.fma.govt.nz/) --- ## Fees, Expenses and How We Are Paid In many cases, our financial advice service is free to you. Instead, we receive commission from the product providers we work with. This may include: - Upfront commission - Ongoing commission/trail - Fixed fees depending on the product The amount depends on your insurance premium, loan amount, KiwiSaver balance or investment amount. ### When Fees May Be Charged We may charge a fee if a client cancels a life or health insurance policy or home loan within two years of it starting. If this does apply to you, we'll let you know. The fee will be invoiced and payable by the 20th of the month following cancellation. ### Fees for Investment Advice We charge for advice at the hourly rate of **$300 plus GST**, including the initial consultation. The fee charged will depend on the nature and scope of the advice or service we provide for you. There is a cost for our financial planning advice and to implement any investment advice. We will outline the estimated cost in a letter of engagement and agree the fees with you before we proceed. For some managed funds and KiwiSaver schemes, we are paid a commission by the provider and in those cases there is no charge for our advice. Clients who choose our investment management service are charged a **retainer fee** which covers investment monitoring, administration and reporting. This also covers on-going review of your financial situation. The cost is expressed as a percentage of funds under management. --- ## How We Manage Any Conflicts of Interest or Other Incentives From time-to-time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, sponsor our training or other incentives. To ensure our recommendations always put your interests first: - We follow a documented advice process focused on your goals - Our advisers receive annual training on managing conflicts of interest - We maintain registers of conflicts, gifts and incentives which Advice4Life monitors - We complete regular quality assurance reviews, including an independent external compliance review --- ## What to Do If You Have a Complaint If you're not satisfied with our financial advice service you can make a complaint by: - **Email:** info@advice4life.co.nz - **Phone:** 0508 44 00 44 - **Post:** Advice4Life Limited, PO Box 1442, Hamilton, 3240 ### If You're Still Not Satisfied If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact our disputes resolution scheme. **The Insurance & Financial Services Ombudsman (IFSO)** provides a free, independent dispute resolution service that may help investigate or resolve your complaint. Further information on our internal complaints process and disputes resolution provider is available on our [complaint process page](https://www.advice4life.co.nz/complaints). --- ## How to Contact Us **Advice4Life Limited (FSP489726)** — Licensed Financial Advice Provider - **Address:** Level 5, 11 Garden Place, Hamilton, 3280 - **Phone:** 0508 44 00 44 - **Email:** info@advice4life.co.nz - **Website:** www.advice4life.co.nz --- *Note: The website references a separate [complaints process page](https://www.advice4life.co.nz/complaints) and a [privacy policy](https://www.advice4life.co.nz/privacy-policy/) as linked sub-documents. Content of those pages is not reproduced here.*