Investment Matters Full Disclosure Statement

& Complaints Procedure

Investment Matters holds a full FAP licence issued by the Financial Markets Authority to provide financial advice services. The company's Financial Services Provider Number is 702451.

Investment Matters is owned by Financial Adviser & Sole Practitioner Lisa Bentley, Financial Services Provider Number 768453 and Be Brave Trust.

Our office contact details
200 Market St North, Hastings 4122
Phone 06 870 3838
Mobile 029 200 4090
Email lisa.bentley@investmentmatters.nz

Nature and Scope of Financial Advice Services
Our Services
-Investment strategies
-KiwiSaver investment strategies
-Retirement Planning

Products we can advise on
-Managed investments
-KiwiSaver investments
-Listed shares and bonds

We do not generally provide financial advice on products not listed above. However, some clients may have investments in other financial products. Where this is the case, we may provide advice on those products as part of providing financial advice to these clients.

Product providers we may recommend
-ANZ/ OneAnswer NZ Investments Limited 
-Booster Financial Services Limited
-Fisher Funds Management Limited
-InvestNow Investment Solutions Limited
-Milford Asset Management
-NZ Funds Management Limited
-Pathfinder Asset Management
-Select Wealth Management Limited 

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 on 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:
The fees charged for our advice and services are a combination of a set hourly rate of $150+GST and/or a percentage-based fee from 0.35% to 0.90% - GST inclusive.  Fees will be confirmed in my statement of advice which I will provide to you.

Our agreed advice and service fees may include charges for initial advice, ongoing or annual advice and services.

For KiwiSaver services, commissions may be paid by the product provider as follows:
-Initial commission for new business
-Ongoing commission as a percentage of the value of your investment balance calculated and paid quarterly or monthly.

Conflicts of Interest
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 with funding so that we can attend conferences and professional development training.  We also receive remuneration from KiwiSaver providers as a commission.

We manage these conflicts of interest by ensuring that we prioritise your interests above our own.  The advice we provide is based on understanding your goals and circumstances and providing recommendations that are based on research.  I have a Register of Conflicts which allows me to actively manage any conflicts that arise.

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.  Please contact complaints@investmentmatters.nz or 06 870 3838.  We will reply to you within one business day.

Our external complaints process
If we cannot agree on how to fix the issue, you may refer your complaint to Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL is our independent external ombudsman and dispute resolution service that has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. FSCL’s service is free of charge to you.  You can contact FSCL at 0800 347 257 or info@fscl.org.nz

Duties Information
I am bound by the duties of the Financial Markets Conduct Act to:
Meet the standards of competence, knowledge and skill set out in the Code of Conduct; give priority to the client’s interests and exercise care, diligence and skill and meet the standards of ethical behaviour, conduct and client care set out in the Code of Conduct.

‍Hard copies of this disclosure information can be provided upon request.