Lighthouse Wealth Limited

Fees

“Lighthouse charges a fee for your financial plan. These fees will only apply if you agree to them before any engagement for our services. KiwiSaver and insurance providers pay Lighthouse a commission fee and/or an ongoing amount. Initial commissions are a percentage based on the value of your investment contributions or insurance premiums.”

Commission

“For life and health insurance, Lighthouse Wealth receives commissions from the insurance companies on whose policies we advise. If you decide to take out insurance, the insurer will pay a commission to Lighthouse Wealth. The amount of the commission is based on the amount of the premium.”

Product panel

“**Synergy Investments** – for clients who have a smaller lump sum to invest or who want to contribute regularly to their investment. - **Milford, Booster, Generate, Kernel, KiwiWrap and Pathfinder** – our KiwiSaver providers. - **Asteron, AIA, Fidelity Life, Chubb, PPS Mutual and Partners Life** – for life insurance and income protection. - **AIA, nib, Southern Cross and Partners Life** – for health insurance. - **Booster** – for UK pension transfers.”

Conflicts of interest

“Lighthouse Wealth owns 25% of Lighthouse Property. From time to time, Lighthouse Wealth may receive certain non-monetary benefits from product providers. This could include, but is not limited to, gratuities such as a bottle of wine at Christmas time, a free calendar, pen, or book, the occasional luncheon, drinks after a briefing session, invitations to sporting events, subsidised professional development, discounted training courses, or office supplies, etc.”

Scope of advice

“Lighthouse Wealth provides advice to our clients about their investments, including managed funds and investment property, KiwiSaver, budgets, personal insurance and ACC.”

Dispute resolution

“If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact **The Insurance & Financial Services Ombudsman Scheme**. The Insurance & Financial Services Ombudsman Scheme provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we haven't been able to resolve your complaint to your satisfaction.”

Ownership

“Lighthouse Wealth Limited (FSP 748572, trading as Lighthouse Wealth) holds a license issued by the Financial Markets Authority to provide financial advice.”

Material relationships

“Where relevant, we will share your information with our other partner businesses (Lighthouse Accounting, Lighthouse Mortgages, and Lighthouse Wealth) for the purpose of providing any current or future services you may request. We will always act in your best interests first and disclose all associated referral fees, commissions, conflicts of interest, or potential conflicts of interest where appropriate.”