About WealthHealth

WealthHealth Limited is a licensed Financial Advice Provider (FAP) providing financial advice to clients throughout New Zealand.

Financial Advice Provider (FAP):‍ ‍WealthHealth Limited

Financial Services Provider Number (FSP): FSP523606

Financial advice is currently provided by Craig Coupland (FSP105424).

Our Financial Advice Services

WealthHealth provides financial advice across a range of financial products and services, including:

• Residential Lending

• Investment Property Lending

• Business Lending

• Personal Risk Insurance

• Business Risk Insurance

• Group Life and Health Insurance

• Health Insurance

• Fire and General Insurance

• KiwiSaver Advice

• Investment Advice

• Retirement Planning

The services available to you will depend on your individual circumstances and the scope of advice you request.

How We Are Remunerated

WealthHealth may receive remuneration through commissions paid by product providers, professional fees paid by clients, or a combination of both.

For most residential lending, insurance and investment advice engagements, WealthHealth is remunerated by commissions paid by the relevant product provider. In many cases, this means there is no direct professional advice fee payable by the client.

In some circumstances, professional fees may apply. These include certain fee-based engagements, non-bank lending, or where professional fees have been agreed with you before work commences.

Any remuneration or professional fees applicable to your individual engagement will always be explained and agreed with you before you decide whether to proceed.

Further information is available on our How Financial Advisors Are Paid page and within our Financial Advice Disclosure Statement provided during the engagement process.

Product Providers

WealthHealth maintains approved panels of lenders, insurers and investment providers.

Our recommendations are generally limited to products available through these approved providers. Where advice is limited in any way, we will explain those limitations so you can make an informed decision.

Our Duties to You

When providing regulated financial advice, WealthHealth is required to:

• give priority to your interests where a conflict exists;

• exercise care, diligence and skill;

• meet the standards of competence, knowledge and ethical behaviour required by the Code of Professional Conduct for Financial Advice Services; and

• comply with all applicable laws and regulatory obligations.
  

Conflicts of Interest

Like most financial advice businesses, WealthHealth may receive commissions from product providers when clients implement financial products we recommend.

We maintain policies, procedures and training designed to identify, manage and appropriately disclose actual or potential conflicts of interest so that our advice remains focused on achieving suitable client outcomes.

Privacy

Protecting your personal information is important to us.

We collect, use, store and disclose personal information only where reasonably necessary to provide financial advice services, meet our legal obligations and operate our business.

For more detailed information, please refer to our Privacy Policy.

Complaints

If you are unhappy with our service or the financial advice we have provided, we encourage you to contact us as soon as possible so we can work with you to resolve the matter promptly and fairly.

If your complaint cannot be resolved through our internal complaints process, you may refer the matter to our independent external dispute resolution scheme, Financial Services Complaints Limited (FSCL), at no cost to you.

Further details are available on our Complaints Process page.

Important Information

Before providing personalised financial advice, WealthHealth will provide you with additional information relevant to your engagement, including:

• our Financial Advice Disclosure Statement;

• our Financial Advice Engagement Agreement;

• a Financial Advice Scope of Engagement specific to the services you have requested; and

• any other information required to help you make an informed decision before proceeding.

If you have any questions about the information on this page or would like to discuss your financial goals, please contact WealthHealth.
We are happy to answer your questions before you decide whether to engage our services.

These are the primary providers we work with in delivering our mortgage broker services,
insurance advisory services and KiwiSaver fund /investment advisory services.

Providers we work with: