Disclosure Information

Important information about the financial advice services provided by Provincial Wealth Ltd

About Provincial Wealth Ltd

Provincial Wealth Ltd (“we”, “us”) is a licensed Financial Advice Provider offering financial advice to retail clients in New Zealand.

  • Financial Advice Provider (FAP): Provincial Wealth Ltd

  • FSPR Number: FSP1004212

  • Licensed by: Financial Markets Authority (FMA)

  • Contact: 0508 WEALTH (0508 932 584) or 06 304 7004

  • Email: [email protected]

  • Website: www.provincialwealth.co.nz

Nature and Scope of Our Advice

We provide regulated financial advice to individuals, families and businesses. Before giving advice, we will clearly outline the nature and scope of the engagement, as required under New Zealand’s financial advice regime.

Personal & Business Risk Insurance

We provide personalised advice on:

  • Life insurance

  • Income protection

  • Disability/TPD

  • Trauma/critical illness

  • Health insurance

  • Business and revenue protection

Providers we can recommend from:
AIA, Partners Life, Chubb, Asteron Life, Fidelity, NIB, Southern Cross Healthcare, Unimed.

Fees & Commissions:

  • No upfront fees

  • Initial commission: 0%–240% of first‑year premium

  • Ongoing commission: 0%–30% of annual premium

Exact commission will be disclosed with your personalised recommendation, in line with Regulations 229D–229E

Home Lending Referrals

While we do not provide mortgage lending advice, we can refer you to:

  • Kit Jackson — Capital Advice

  • Aroha McKenzie — McKenzie Mortgages

Referral commissions:

  • Capital Advice: 30% referral commission

  • McKenzie Mortgages: No commission received

General Insurance(Home, Contents, Car & Business)

We work with:

  • AON (StyleCover Scheme)

  • Blanket Insurance

Commissions:

  • AON: 0.15% + GST of each premium

  • Blanket: We receive 20% of their commission

KiwiSaver, Managed Funds & UK Pensions

We provide personalised advice on fund selection, risk appetite, timeframe, and provider choice.

Providers we work with:
Generate, Booster, Pathfinder, Evidential KiwiSaver Scheme, Milford, Kernel Wealth, iSelect (UK pensions).

Fees & Commissions:

  • Upfront fee: $0–$300

  • Ongoing commission: 0%–1% of funds under management

Disclosure of product range is required under Regulation 229C

Financial Planning Services

Our financial planning services cover retirement modelling, wealth strategy, budgeting, and goal planning. All fees are agreed prior to commencement.

Fees: $1,500 – $7,500 + GST

Property Investment Advice

We may receive revenue from property developers we work with, or fees may be paid directly by you. All fees and commissions will be disclosed in your Scope of Service and Engagement

Our Duties to You

We must follow the duties set out in the Financial Markets Conduct Act and the Code of Professional Conduct, which include:

  • Putting your interests first

  • Exercising care, diligence and skill

  • Ensuring advice is suitable

  • Treating clients fairly and with integrity

  • Protecting your information

  • Maintaining competence, knowledge and skill

These duties are mandated by the Code

Conflicts of Interest

We have systems to identify and manage conflicts of interest, gifts and incentives. We will always disclose any commission, referral payment or benefit that could influence advice.

Complaints Process

How to Raise a Concern or Complaint

If you wish to make a complaint about the advice or service you received, please follow this link to our complaints policy. There you’ll find details of our internal complaints process and how to lodge a concern.

We will acknowledge your complaint within 2 working days, outline our process, and keep you informed as we work to resolve it — as required by Regulation 229F.

If we cannot resolve your complaint, you may refer it to our independent dispute resolution scheme:

Financial Services Complaints Ltd (FSCL)

  • Phone: 0800 347 257

  • Website: www.fscl.org.nz

FSCL provides a free and independent service for complaints involving financial advice.

Privacy

Privacy & Use of Information

We collect and use your information to provide suitable advice and to meet legal obligations. You may request access to, or correction of, your personal information at any time.

Please follow this link to our privacy policy

Public Disclosure Statement

Public Disclosure Requirements

This page contains all information required to be publicly available under Regulation 229C of the Financial Markets Conduct Regulations.

You may request a copy of this disclosure at any time.