First Capital Financial Services Limited

Financial Services Provider

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Christchurch

FSPR Registered

FSP Number: FSP83083

NZBN: 9429036651719

Team Size: 13 advisers

Verify on FSPR

About First Capital Financial Services Limited

What is First Capital Financial Services Limited?

First Capital Financial Services Limited is a financial services provider, based in Christchurch, with 15 years on the FSPR register, and 13 appointed advisers on file.

How is First Capital Financial Services Limited regulated?

First Capital Financial Services Limited is registered on the Financial Service Providers Register (FSPR)as FSP83083, with first registration in 2011. Disputes are handled by Insurance & Financial Services Ombudsman Scheme Inc.. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does First Capital Financial Services Limited offer?

First Capital Financial Services Limited's Public Disclosure Statement lists the following scope of advice: Investment advice (products limited to those approved by the First Capital Investment Committee), Risk management/insurance advice (limited to products with strong financial strength rating). Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from First Capital Financial Services Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: mixed
Commission: Yes
Dispute scheme: IFSO
FAQs: 3 answered
Linked docs: 3

Scope of advice

Investment advice (products limited to those approved by the First Capital Investment Committee)
Risk management/insurance advice (limited to products with strong financial strength rating)

Contact Information

Phone

0800 525 515

Email

Not available

Website

www.firstcapital.co.nz

Address

Level 1,151 Cambridge Terrace,Christchurch,8011,New Zealand

About First Capital Financial Services Limited

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Public Disclosure Statement

First Capital Financial Services Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View First Capital Financial Services Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: mixed
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: IFSO
Scope of advice (verbatim from PDS): Investment advice (products limited to those approved by the First Capital Investment Committee)
Risk management/insurance advice (limited to products with strong financial strength rating)
Specialties: General Insurance
Financial Planning
Investments
Income Protection
Health Insurance
Life Insurance
Business Insurance

Hover any specialty to see its source. Self-attest takes priority; PDS-derived next; AI-classified last. For binding regulatory statements refer to the FAP's own current Public Disclosure Statement.
Ownership: First Capital Financial Services Limited is a Gallagher Company owned by Arthur J. Gallagher & Co.

Verbatim quotes from First Capital Financial Services Limited's PDS (6 fields cited)

Fees

“First Capital may charge fees for advising and/or implementing and managing different services/products. The fee will depend on the nature of our financial advice and service. Investment clients will be charged fees for using the investment platform. These fees will include the advice provided, an establishment fee, and an annual monitoring fee.”

Commission

“First Capital receives commissions from insurance companies about whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to First Capital. The amount of the commission is based on the amount of the premium.”

Conflicts of interest

“First Capital has no preferential terms (other than those readily offered to other market participants) or production performance agreements with any product provider. First Capital has no commercial relationships or contractual arrangements presenting any material conflict of interest.”

Scope of advice

“The types of advice that First Capital Financial Services can give, together with the products on which it can advise, can be viewed in the appendix (see link below).”

Ownership

“First Capital is a Gallagher Company owned by Arthur J. Gallagher & Co.”

Material relationships

“First Capital has no preferential terms (other than those readily offered to other market participants) or production performance agreements with any product provider. First Capital has no commercial relationships or contractual arrangements presenting any material conflict of interest.”

Verbatim spans extracted from the source PDS dated 2026-05-24. Each quote was substring-verified against the original document; spans that failed verification were dropped. View source.

FAQs from this firm's PDS

Common consumer questions answered in First Capital Financial Services Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

What fees does First Capital charge?

“First Capital may charge fees for advising and/or implementing and managing different services/products. The fee will depend on the nature of our financial advice and service. Investment clients will be charged fees for using the investment platform. These fees will include the advice provided, an establishment fee, and an annual monitoring fee. Insurance clients will need to pay premiums to insurance providers if proceeding with an insurance policy. If any fees are to be paid, they will be confirmed in writing once the nature and scope of the service are known.”

Does First Capital receive commissions?

“First Capital receives commissions from insurance companies about whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to First Capital. The amount of the commission is based on the amount of the premium.”

How does First Capital handle conflicts of interest?

“First Capital has no preferential terms (other than those readily offered to other market participants) or production performance agreements with any product provider. First Capital has no commercial relationships or contractual arrangements presenting any material conflict of interest. Our advisers receive a salary as an employee of First Capital. They do not receive any other incentives or commissions based on the financial advice they provide.”

Additional disclosure documents

Documents linked from First Capital Financial Services Limited's PDS. URLs verified to appear in the source document at extract time; links may rot — verify with the firm before relying on a specific version.

Download the Disclosure Statement as PDF · Other disclosure
Appendix of all products and providers · Scope of Service
Privacy Policy · Privacy Policy

Notes: Facts and product panel are LLM-extracted from the source document (confidence tier B). Verbatim quote block above is Sonnet-extracted then substring-verified against the source markdown. For the authoritative wording, view the original disclosure above. FSPR register entry. FA-NZ is a directory mirror, not a regulator.