Licensing and Registration

SurePlan Financial Limited is licensed by the Financial Markets Authority (FMA) to provide financial advice services.

You can find information about us on the Financial Service Providers Register (FSPR) by searching FSP number 162244 at www.fspr.govt.nz.

Financial Advice Services We Provide

SurePlan Financial Limited provides financial advice and related services in the following areas:

• Cash management
• Debt management
• Retirement planning
• Investment planning
• Comprehensive financial planning
• Residential mortgages
• Residential investment property analysis

We also provide limited advice in relation to:

• Estate planning (including wills and enduring powers of attorney); and
• Asset protection structures (including family trusts, company structures and partnerships).

Where advice falls outside our scope of expertise, we will refer you to appropriately qualified professionals.

In addition to providing financial advice, we offer implementation support and ongoing servicing to assist clients in putting recommendations into effect and maintaining their financial arrangements over time.

Not all representatives of SurePlan Financial provide all services described on this website. The services available to you will depend on whether you are dealing with a Financial Adviser or a Nominated Representative and the scope of advice they are authorised to provide.

Product Providers

SurePlan provides advice in relation to selected KiwiSaver, investment, residential mortgage and lending products. We do not advise on products from every provider in the market.

The financial advice products on which we provide advice are offered by the following product providers:

Investments and KiwiSaver

• Amova Asset Management
• Fisher Funds
• Generate Investment Management
• Kernel Wealth
• Milford Asset Management
• Pathfinder

Lending

• ASB Bank
• ANZ Bank
• Avanti Finance
• BNZ Bank
• Kiwibank
• Liberty Financial
• PROSPA
• SBS Bank
• Select Home Loan
• The Co-Operative Bank
• TSB Bank
• Unity
• Westpac

We review our approved product providers periodically. This list may therefore change from time to time, and this webpage will be updated to reflect any changes. The providers considered for an individual client will depend on the type and scope of advice being provided and the client’s needs and circumstances.

Financial Advisers and Nominated Representatives

Financial advice provided through SurePlan may be delivered by either a Financial Adviser or a Nominated Representative.

Financial Advisers

Our Financial Advisers may provide advice across the broader range of services offered by SurePlan, subject to the individual adviser’s competence, experience and approved areas of advice. These services may include:

• Comprehensive financial planning
• Retirement planning
• Investment planning
• Personal Insurance
• Cash and debt management
• Residential mortgage advice
• Residential investment property analysis

The Financial Adviser will agree the nature and scope of the advice with you and will explain any limitations that apply before providing advice.

Nominated Representatives

Our Nominated Representatives provide financial advice on behalf of SurePlan Financial Limited, under our supervision and within a limited, individually approved scope.

Depending on their training, assessed competence and internal authorisation, a Nominated Representative may provide advice in relation to:

• KiwiSaver products;
• Residential mortgage and lending products; or
• Both KiwiSaver and residential mortgage and lending products.

Not every Nominated Representative is authorised to provide advice in both areas. Each Nominated Representative may provide advice only within their individual approved scope and using the processes, product providers and resources approved by SurePlan.

Nominated Representatives do not provide comprehensive financial planning, investment planning outside KiwiSaver, or advice on other financial advice products. They must not provide advice outside their training, competence or authority.

Where a client’s circumstances or advice needs fall outside a Nominated Representative’s approved scope, the matter will be referred or escalated to an appropriately qualified Financial Adviser within SurePlan.

How We Are Paid

Fees paid by clients

In most cases, clients pay fees for the services we provide. All fees and expenses are clearly disclosed and agreed with you before they are incurred.

If we believe that we cannot provide value to you for the fees that would be required to appropriately service you, we will advise you of this before entering into an adviser–client relationship.

If you choose to engage with us on a fee‑paying basis, any work completed prior to formal engagement may be included in the fees agreed with you.

Commissions and other payments

In some cases, we may receive commissions from product providers or suppliers where our advice results in you acquiring or continuing to use their product or service.

The nature and extent of any commission (including the amount or the method of calculation) will be disclosed to you once the nature and scope of our advice are known, and always before you decide whether to implement our recommendations.

Conflicts of Interest

We have a framework in place to identify and manage conflicts of interest.

Where a conflict of interest arises due to fees, commissions, incentives, or any other material benefit received by us, our advisers, or an associated party, we will disclose:

• The nature of the conflict; and
• The steps taken to manage it.

We manage conflicts through policies, training, supervision, monitoring, and compliance with the Code of Professional Conduct for Financial Advice Services.

Our advisers are required to prioritise clients’ interests when providing financial advice.

Our Duties Under the Financial Markets Conduct Act 2013

SurePlan Financial, and anyone who provides financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013.

These duties require us to:

• Give priority to your interests by taking all reasonable steps to ensure our advice is not materially influenced by our own interests
• Exercise care, diligence, and skill when providing financial advice
• Meet the competence, knowledge, and skill standards set by the Code of Professional Conduct for Financial Advice Services
• Meet the standards of ethical behaviour, conduct, and client care set by the Code of Professional Conduct for Financial Advice Services

This is a summary only. Further information about these duties is available by contacting us or by visiting www.fma.govt.nz.

Financial Dispute Resolution Service

If you have a complaint about our services, please contact:

John Schell

Managing Director, SurePlan Financial

Phone: (09) 551 9071

Email: john@sureplanfinancial.co.nz

We will assess your complaint and advise you of the next steps.

If your complaint is not resolved to your satisfaction, you may contact Financial Dispute Resolution Service (FDRS). This service is independent and free of charge.

Financial Dispute Resolution Service

Freepost: 231075

PO Box 2272

Wellington 6140

Phone: 0508 337 337

Email: enquiries@fdrs.org.nz

Website: www.fdrs.org.nz

Privacy and Data Security

We are committed to protecting your personal information and comply with the Privacy Act 2020.

We understand that how your information is collected, used, disclosed, and protected is important to you, and we value your trust.

Our Privacy Policy explains how we manage personal information in accordance with the Privacy Act 2020, including information collected from:

• Clients and potential clients
• Users of our website
• Our digital platforms and social media pages

For more detail, please refer to our Privacy Statement.