Important information about our business
AJP Financial LTD is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider Number is
FSP1005245.
(If you are an authorised body, include the details of the licensed FAP and the authorised body applicable to your FAP structure.)
Our office contact details (insert your details below)
Address: Shop 7, 103 Johnsonville Road, Johnsonville
Phone: 028 8517 4720
Email: andyajpfinancial@gmail.com
Website: www.hlf.co.nz
Nature and Scope of financial advice services
Our Services
● Debt management (including borrowing for personal and investment purposes)
● KiwiSaver investment strategies
Products we can provide financial advice about:
● KiwiSaver investments
● Managed investments
● Loans including mortgages, reverse mortgages and deposit bonds
Product providers we might recommend (list all of these)
● Mortgages - ANZ, BNZ, Westpac, ASB, AIA Go Home Loans, SBS, TSB, Kiwibank, Unity, Bluestone, Avanti Finance
● NZ Funds, Generate, Booster, ANZ Kiwisaver, Pathfinder, Koura Wealth, Milford
Our fees
The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable.
The following section outlines the types of fees that may apply:
Some lenders do not pay us a commission. For these lenders, we may charge you a fee. We will not charge you any fees without your prior explicit consent in writing.
Other costs
We don’t charge our clients fees, expenses or anything else directly for the financial advice we provide.
Commissions
For services in relation to loan products and KiwiSaver products, commissions may be paid by the product provider as follows:
Initial commission - a percentage of the value of your investment contributions, loan balance or insurance premiums; and (specify which services you are paid commission on here – you can state the percentage range or leave it as a general statement)
Ongoing commission - a percentage of the value of your investment balance, outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the investment or loan, or on renewal of insurance products. (specify which services you are paid commission on here)
Conflicts of interest or other incentives
We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also.
From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training.
How we manage any conflicts of interest
To ensure our advisers prioritise our clients’ interests:
● We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.
● All our advisers undergo annual training about how to manage conflicts of interest.
● We maintain registers of conflicts of interests and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.
● We undertake an annual independent Compliance Assurance Review.
Our duties and obligations to you
We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:
● Meet the standards of competence, knowledge and skill set out in the Code of Conduct
● Give priority to the clients’ interest and
● Exercise care, diligence and skill and
● Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.
Our Internal complaints process
If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try to fix the problem.
Our internal complaints manager is Andrew Palliser who can be reached via email at andyajpfinancial@gmail.com or 002885174720. Andrew will reply to you within 24 hours.
Our internal complaints handling process is as follows:
Insert your complaints handling process or steps here.
Please email us outlining the complaint. Your email will be acknowledged within 2 working days.
We will look to find a solution satisfactory to all parties within 20 working days
If no solution can be found, we will look to our external complaints process.
Our external complaints process
If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme – FSCL Ltd. This service will cost you nothing, and will help us resolve any complaints.
You can contact FSCL LTD at:
Address: FSCL, PO Box 5967, Wellington 6140
Phone number: 0800 347 257
Email address: complaints@fscl.org.nz