Financial Advice Provider & Adviser Disclosure Statement

Financial Advice Provider [FAP]: Financial Insight NZ Limited

Financial Adviser [FA]: Gregory A. Coldicutt

This Disclosure Statement is effective:  1st April 2026

LICENSING INFORMATION:

Financial Insight NZ Limited (FSP72251) holds a full Class 1 Licence issued by the Financial Markets Authority to provide financial advice. Gregory A. Coldicutt is a licensed Financial Adviser (FSP67081) contracted to Financial Insight NZ Limited. He advises on investment, life assurance, and associated financial services products.

NATURE & SCOPE OF ADVICE:

Financial Insight NZ Limited provides advice to our clients about investment, retirement planning, KiwiSaver, superannuation,  life insurance, trauma insurance, disability or income protection insurance, and health insurance. Depending completely on your requirements for financial advice, we may offer comprehensive Financial Planning advice services or a limited advice service, constrained to the matter you’ve engaged us for. This will be explained clearly in our Scope of Advice document, provided to you before our Statement of Advice document and before any implementation.

We do NOT offer direct placement of investment services or handle client monies in any way; rather, we act as intermediaries should you choose to act on our advice. You deposit investment funds directly with the selected fund manager using internet banking. And Insurance premiums are paid directly from your bank account to the insurer’s bank account. Only our invoices to you are to be paid into our designated bank account. We do not accept cash for our direct invoices, but we may accept digital currencies in the future.

We provide financial advice implementation services from leading New Zealand Fund Managers and Insurers:

  • For investment and KiwiSaver, we choose to work with our preferred partners at Booster, Milford, and Consilium.
  • For life assurance, we work with our preferred insurers: AIA NZ, Asteron, and Fidelity Life.
  • For health insurance, we choose to work with our preferred insurers, namely AIA and nib.
  • We do NOT advise on Fire & General insurances, but we refer clients to our partners at Blanket Brokers.

FEES, EXPENSES, and INCENTIVES:

Financial Insight NZ Limited operates a ‘hybrid’ remuneration model.

For financial advice, we may charge an hourly or flat rate for the advice provided, mutually agreed upon prior to engagement.

For insurance advice and/or placement, we receive an upfront commission upon policy inception, plus a small annual commission to service the product and be available to you for reviews or claims.

For investment services, we may charge an upfront advice fee for a comprehensive or limited Financial Plan and, once invested, a small percentage of the Funds Under Management [FUM] is paid to us to monitor and review these assets on your behalf. We do not charge an upfront fee on investment funds placed with a Fund Manager. In most cases, our remuneration is a combination of the above, all fully transparent and agreed to before engagement.

Should you purchase Fire & General Insurance through our referral to Blanket Brokers, we will be paid an annual referral fee.

Our signature ‘Premier Care’ Wealth Mentoring program is offered to select clients, the fee for which is either monthly by Auto Payment or annually by invoice.

Your Financial Adviser, Gregory A. Coldicutt, is paid a personal income by Financial Insight NZ Limited.

In addition, Financial Insight NZ Limited will charge a fee for the financial advice provided to a client if the client cancels a life or health policy within 2 years of inception. Insurers “claw back” or reclaim commission paid to us for the placement of an insurance policy that lapses or is cancelled up to 2 years from inception, at a pro rata rate based on how long the policy has been in force before cancellation. Our invoice for this fee, which equates to the sum reclaimed by the Insurer and is provided with the invoice, will be payable by the client by the 20th of the month following the invoicing date.

To ensure our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are based solely on each client’s goals and circumstances. As such, neither Financial Insight NZ Limited nor our financial advisers receive any incentives from Financial Service Providers. To do so may bias the financial advice provided to the client, so we diligently avoid such incentives.

COMPLAINTS HANDLING AND DISPUTE RESOLUTION:

We are always looking for ways to improve our service to you. If something has gone wrong, we want to know.

Please email complaints@financialinsight.co.nz to let us know what has happened and how we can resolve the matter. If you have any documents or correspondence that will help us understand your complaint, please attach them to your email.

When we receive your complaint, we will consider it following our internal complaints procedure:

  • We record your complaint in our internal Complaints Register,
  • acknowledge your complaint by tracked email within two working days,
  • gather and evaluate information about your complaint, and
  • respond to you within 20 working days.

If we cannot resolve your complaint to your satisfaction, you can contact Financial Services Complaints Limited – A Financial Ombudsman Service (FSCL). They are an independent, not-for-profit, external dispute resolution service approved by the Minister of Consumer Affairs.

FSCL’s role is to investigate and fairly resolve complaints. Their service is free (it does not cost you anything).

FSCL’s contact details are:

  • www.fscl.org.nz
  • 0800 347 257
  • complaints@fscl.org.nz
  • FSCL, PO Box 5967, Wellington 6140

DUTIES INFORMATION:

Financial Insight NZ Limited, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way in which we offer advice.

Your financial adviser, contracted to Financial Insight NZ Limited, discloses the following duties under the Act:

I, Gregory A. Coldicutt, am bound by the duties of the Financial Markets Conduct Act to:

  1. Meet the standards of competence, knowledge, and skill set as set out in the Code of Conduct.
  2. Give priority to the clients’ best interests.
  3. Exercise care, diligence, and skill, and
  4. Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.

REGULATION DATA:

Financial Insight NZ Limited’s licence number as a Financial Advice Provider is: FSP 72251.

Gregory A. Coldicutt’s licence number as a Financial Adviser is: FSP 67081.

You are welcome to verify this at: http://www.fspr.govt.nz. Or for more information, please visit: http://www.fma.govt.nz

RELIABILITY HISTORY:

Neither Financial Insight NZ Limited nor Gregory A. Coldicutt has ever been subject to a reliability event in our nearly four decades in operation. A reliability event is something that might materially influence your decision to seek advice from us. For instance, this could involve legal proceedings against us or our discharge from bankruptcy.

CONTACT INFORMATION:

Address: 130 Hamurana Road, Omokoroa, Bay of Plenty 3114.

Telephone: 0800 101 502

Email: advice@financialinsight.co.nz

The information within this Disclosure Document is available in writing at any time. Please contact us to request a copy.

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