# Stream-gold Financial Services Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-06-06 - **Source URL:** https://streamgold.nz/about-us/ - **Source PDF SHA256:** `9083344a6b3a601d3930ca9a6af193e7...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-06-06 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP716071/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP716071/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP716071 > **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. --- # Stream-Gold Financial Services — FAP Public Disclosure Statement --- ## ABOUT US **Stream-Gold Financial Services** is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority (FMA) to provide financial advice services. **Financial Services Provider Number:** FSP716071 ### Office Contact Details - **Address:** Room 2, 16 Armidale St., Petone, Lower Hutt - **Phone:** 04 213 4555 - **Mobile Phone:** 022 049 5482 - **Email:** info@streamgold.nz - **Website:** [www.streamgold.nz](http://www.streamgold.nz) We are committed to supporting migrants and locals in New Zealand attain financial security and freedom. From humble beginnings in 2017 based in Wellington, Stream-Gold has extended its reach nationwide. ### Our Team Stream-Gold Financial Services engage Financial Advisers with appropriate qualifications, skills and experience to provide financial advice on their behalf. --- ## OUR ADVICE Stream-Gold provides financial planning services and advice about personal and business insurance, KiwiSaver, investments, home loans, personal and business loans, and referral only of general insurance (house, car, and content). ### Product Panel / Provider List | Personal and Business Insurance | General Insurance (Referral) | Investment | KiwiSaver | Mortgage and Other Loans | |---|---|---|---|---| | AIA | Tower | Consilium | Booster | ANZ | | Asteron Life | Blanket | Booster | NZ Funds | ASB | | Fidelity Life | | Select Wealth | Summer | BNZ | | Partners Life | | Property Management Group | Generate | Westpac | | Chubb | | NZ Funds | | The Cooperative Bank | | NIB | | | | SBS Bank | | Accuro | | | | Sovereign | | Orbit Protect | | | | Select | | Southern Cross Travel | | | | Avanti | | | | | | NZCU | --- ## OUR FEES The actual fee charged to you 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. **The following section outlines the types of fees that may apply:** 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. ### Insurance, KiwiSaver and Home Loan Products Generally, we will **not charge fees** in relation to advice for **insurance, KiwiSaver and home loan products** because we will be paid a commission, finders fee and trail income by the product providers. ### Investment and Home Loan Products We may charge you a fee for some **investment and home loan products** advice; however, we will agree this with you in your scope of advice and provide you more details before we proceed. ### Financial Plan We will charge you a fee if we provide you with a **financial plan**. - This fee will be based on scope, nature and complexity and will be for the initial advice, ongoing advice or annual advice and services associated with your financial plan. - We will confirm with you the exact fees we will charge before we proceed and at the time the advice is provided. ### Consultancy Basis We will charge you a fee for any **financial advice provided on a consultancy basis**. - This fee may be a fixed fee, or it may be charged on an hourly rate. We will let you know before we commence our services that we will be charging a fee for our consultation and provide you an estimate of the amount. ### Investment Products — Adviser Fee For some **investment products**, if you invest your funds through certain product providers, you will be charged an "Adviser Fee" which is based on the value of your funds under management. The provider will deduct this Adviser Fee from your funds under management and then pay a percentage of this to Stream-Gold Financial Services (the FAP). This will be an ongoing monthly cost to you. We will provide more specific details about how the Adviser Fee is calculated and whether it applies to you once we know more about your needs. ### Clawback Fees for Some Home Loan and Insurance Products If you cancel certain home loan or insurance products within a specified time period, we may have to make a payment to the product provider to reimburse them some of the commission they have paid us. If this occurs, we will invoice you for the same amount. We will give you more information about this, which products and product providers it applies to, and the relevant time periods that apply once we have an understanding of your needs. --- ## CONFLICTS OF INTEREST OR OTHER INCENTIVES We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also. From time to time, product providers may also support Stream-Gold Financial Services with funding to sponsor our marketing initiatives such as cultural and sporting events, annual client give-aways or reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, sponsorship of Financial Advisers for training and conferences, professional development trainings or other incentives. All Financial Advisers engaged by Stream-Gold Financial Services are eligible to receive a bonus if a certain level of overall performance is achieved. Whether a bonus is granted is based on many factors, such as quality of advice, client service, client care, compliance as well as bonus based on new business revenue. ### How We Manage Any Conflicts of Interest To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - All our advisers undergo annual training about how to manage conflicts of interest. - We maintain registers of conflicts of interests and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required. - We undertake an annual independent Compliance Assurance Review. ### Our Duties and Obligations to You We are bound by the duties of the Financial Markets Conduct Act 2013 to: - Give priority to clients' interests; - Exercise care, diligence, and skill; - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services; - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. --- ## OUR INTERNAL COMPLAINTS PROCESS If you have a problem, concern, or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. **Internal Complaints Administrator:** Ely Batisan - **Email:** info@streamgold.nz - **Phone:** 04 213 4555 or 022 049 5482 - Ely will reply to you within 24 hours. When we receive a complaint: - We will consider your complaint and let you know how we intend to resolve it. Where possible, we try to resolve your complaint immediately. - If we are unable to resolve your complaint immediately, we will acknowledge your complaint within **2 business days**. We may contact you to get further information about your complaint. - We aim to resolve complaints within **10 working days** of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response. - We will contact you by phone, email or letter to let you know whether we can resolve your complaint and how we propose to do so. --- ## OUR EXTERNAL 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 external disputes resolution scheme — **FSCL (Financial Services Complaints Ltd)**. **Dispute Resolution Scheme:** Financial Services Complaints Ltd (FSCL) - **Address:** PO Box 5967, Lambton Quay, Wellington 6140 - **Telephone:** 0800 347 257 - **Email:** info@fscl.org.nz > *A complaint is an expression of dissatisfaction relating to our financial advice service to which a response or a resolution is explicitly or implicitly expected (including dissatisfaction with any advice given by our financial advisers on behalf of the FAP).* --- *Note: The page references a link to "see all our lenders" for a complete lender list, but the destination sub-document was not available for inclusion.*