Financial Advice Disclosure

Welcome to MoneyGuide.  Below is important information you should know before we begin working together.

About MoneyGuide

MoneyGuide Limited, FSP1010762, (MoneyGuide) holds a licence issued by the Financial Markets Authority to provide financial advice.

Nature and scope of the financial advice given:

MoneyGuide provides advice exclusively on KiwiSaver - New Zealand’s retirement savings scheme designed to help you buy your first home and/or grow long term savings for retirement.

MoneyGuide is accredited with a range of KiwiSaver providers to ensure that our clients have access to suitable and diverse options, including:

  • Amova

  • AMP

  • ANZ

  • Booster

  • Fisher Funds

  • Generate

  • Milford

  • Pathfinder

  • SBS Wealth

We will not provide advice on other types of investments or financial products but can refer you to a specialist if you would like advice on those products.

Our duties

MoneyGuide and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.

We are required to:

  • Give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests.

  • Exercise care, diligence, and skill in providing you with advice.

  • Meet standards of competence, knowledge and skill

  • Meet standards of ethical behaviour, conduct and client care

These are set by the Code of Professional Conduct for Financial Advice Services and regulatory duties and are only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz.

No fees, expenses or other amounts payable for our financial advice

MoneyGuide does not charge fees, expenses or any other amount for the financial advice we provide to our clients.  

You pay ongoing management and other fees and expenses to the KiwiSaver provider out of your KiwiSaver investment. These are explained in the Product Disclosure Statement for your recommended KiwiSaver scheme.

Conflicts of Interest and Incentives

All MoneyGuide advisers are employees of Money Guide and are paid a salary.

MoneyGuide receives commissions from the KiwiSaver providers whose schemes we give advice on. If you decide to proceed, the product provider will pay a commission to Money Guide. The amount of the commission is based on the amount of your KiwiSaver balance.

Some of the financial advisers at MoneyGuide have ownership interests in the business. This means they may benefit financially from the success of the business, including from the advice they provide.

We recognise this as a potential conflict of interest. To manage it, we have policies and procedures in place to ensure that all advice is based on your needs and best interests, not on any personal or financial interests of our advisers.

How we manage any conflicts of interest or other incentives

To ensure that our financial advisers prioritise our client’s interest above their own, we follow an advice process that bases our recommendations on your goals and circumstances.

All our financial advisers undergo annual training on managing conflicts of interest.

We also engage an independent compliance consultancy to review our processes and controls.

Privacy information

MoneyGuide complies with the Privacy Act 2020.

To provide you with KiwiSaver advice, we need certain personal and financial information. Any information collected for this service and used in associated advice reports is treated as confidential and stored securely.

To learn more, please visit our Privacy Policy moneyguide.co.nz/privacy-policy

Internal complaints process

If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you can contact us: in writing, by telephone or by email. Here are our contact details.

  • Company Name: MoneyGuide Limited

  • Attention: The Complaints Officer

  • Address: 7 Milford Road, Milford, Auckland, 0620

  • Telephone: 09 410 1516

  • Email address: rory@moneyguide.co.nz

  • Website: moneyguide.co.nz

Our complaint handling process

MoneyGuide is committed to addressing any complaint promptly and appropriately.

When we receive a complaint, we follow this process:

  • We will consider your complaint and let you know how we plan to resolve it. We may contact you for more information.

  • We aim to resolve complaints within 15 working days. If more time is needed, we will update you within that timeframe.

  • We will contact you by phone or email to confirm whether we can resolve your complaint and how we propose to do so.

  • If we can’t resolve your complaint, or you aren’t satisfied with our proposed resolution, you can contact the Insurance and Financial Services Ombudsman.

Dispute resolution process

If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and can help investigate or resolve your complaint.

We are a member of the Insurance and Financial Services Ombudsman approved dispute resolution scheme. You can contact them at:

  • Company Name: Insurance and Financial Services Ombudsman

  • Attention: Level 2/70 The Terrace, Wellington Central, Wellington 6011

  • Postal Address: P O Box 5967, Wellington 6140

  • Telephone: 0800 888 202

  • Email Address: info@ifso.nz

  • Website: www.ifso.nz

Contact details

MoneyGuide Limited, FSP1010762, is the Licensed Financial Advice Provider.

You can contact us at: