It is important that you read this document. Licensed by the Financial Markets Authority (FMA) · FSP 605149
Financial Adviser: Jan Viljoen
Financial Advice Provider (FAP): JV Financial Services Ltd (FSP) — licensed by the Financial Markets Authority (FMA)
FSP Number: 605149
Business Address: 22 Sunridge Estate, 674 Ranginui Road, Welcome Bay 3175
Phone: 022 599 8127
Email: info@jvfs.co.nz
Website: www.jvfs.co.nz
This disclosure provides important information to help you decide whether to seek financial advice from us. It outlines the services we provide, how we are paid, potential conflicts of interest, and what to do if something goes wrong.
We are authorised under JV Financial Services Ltd to provide advice in the following areas:
Life, Trauma/Critical Illness, Total & Permanent Disability, Travel Insurance, Health/Medical, and Income Protection. Providers include AIA, Asteron, Fidelity Life, CHUBB, Southern Cross, Allianz, Cover-More, and NIB.
Advice on KiwiSaver schemes and investment products offered by providers such as Generate and Milford.
We can refer you to specialists for mortgages, personal and vehicle loans, and asset finance.
On unit trusts and other financial products.
Material Limitations: Advice is generally limited to the providers listed above. If your needs would be better met by products from outside this list, we will inform you and, if appropriate, refer you to another adviser.
Neither Jan Viljoen nor JV Financial Services Ltd has been subject to any reliability event that may materially influence your decision to seek advice from us.
Jan holds the New Zealand Certificate in Financial Services (Level 5). To maintain competence, ongoing professional development is undertaken and the Code of Professional Conduct is adhered to, prioritising your needs and best interests.
In most cases, you will not be charged a fee for advice. If a fee may apply, it will be agreed with you in writing before work commences. Fees may apply in the following situations:
Any fee will reflect the time and complexity of the work, with clear written confirmation before you incur it.
JV Financial Services Ltd receives commissions from insurance and investment providers for policies or products you take up through our advice. These commissions are a percentage of your premium or investment and vary depending on the provider and product.
We may also receive minor non-monetary benefits such as training or hospitality from providers. Before finalising advice, we will disclose the commission structure and any relevant incentives specific to your recommendations.
To manage conflicts of interest, we:
If you are not satisfied with our service, please contact us directly on 022 599 8127 or complaints@jvfs.co.nz. We will acknowledge your complaint within 2 working days, investigate promptly, and aim to resolve it within 10 working days.
If we cannot resolve your complaint, you can contact Financial Services Complaints Ltd (FSCL) — a free, independent dispute resolution service:
We, and anyone who gives financial advice on our behalf, have duties to:
We handle your personal information in accordance with the Privacy Act 2020. You may request a copy of our Privacy Policy to see how we collect, use, and store your information, and how you can access or correct it.
Version: JVFS-Public-Disclosure
Date: 01 January 2026