FINANCIAL ADVISER DISCLOSURE STATEMENT
It is important that you read this document
Contact Information
Financial Adviser: Jan Viljoen
Financial Advice Provider (FAP): JV Financial Services Ltd (FSP): — licensed by the Financial Markets Authority (FMA)
FSP Number (Adviser): 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
Purpose of This Document
This disclosure provides important information to help you decide whether to seek financial advice from me. It outlines the services I provide, how I am paid, potential conflicts of interest, and what to do if something goes wrong.
Nature and Scope of Financial Advice
I am authorised under JV Financial Services Ltd to provide advice in the following areas:
Insurance: 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
KiwiSaver and Investments: Advice on KiwiSaver schemes and investment products offered by providers such as Generate and Milford
Referrals: I can refer you to specialists for mortgages, personal and vehicle loans, and asset finance
Limited Advice: 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, I will inform you and, if appropriate, refer you to another adviser.
Reliability History
Neither I nor JV Financial Services Ltd has been subject to any reliability event that may materially influence your decision to seek advice from me.
Qualifications and Experience
I hold the New Zealand Certificate in Financial Services (Level 5). To maintain my competence, I undertake ongoing professional development and adhere to the Code of Professional Conduct, prioritising your needs and best interests.
Fees and Expenses
In most cases, you will not be charged a fee for my advice. If a fee may apply, it will be agreed with you in writing before work commences. Fees may apply in the following situations: – Products with no or low commissions – Commission clawback by the provider if you cancel or change your policy within the clawback period – Specialist work outside my usual scope Any fee will reflect the time and complexity of the work, with clear written confirmation before you incur it.
Commissions, Conflicts of Interest & Incentives
JV Financial Services Ltd receives commissions from insurance and investment providers for policies or products you take up through my advice. These commissions are a percentage of your premium or investment and vary depending on the provider and product.
I may also receive minor non-monetary benefits such as training or hospitality from providers. Before finalising advice, I will disclose the commission structure and any relevant incentives specific to your recommendations.
To manage conflicts of interest, I: – Follow a documented advice process focused on your needs and goals – Am not contractually obligated to recommend any particular provider – Maintain a conflicts register and disclose potential conflicts to you – Undertake annual training on managing conflicts of interest – Record and review all gifts or benefits received
Complaints and Dispute Resolution
If you are not satisfied with my service, please contact me directly on 022 599 8127 or complaints@jvfs.co.nz. I 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: – Phone: 0800 347 257 – Email: complaints@fscl.org.nz – Website: www.fscl.org.nz
Duties Information
I, and anyone who gives financial advice on my behalf, have duties under the Financial Markets Conduct Act 2013 to: – Give priority to your interests – Exercise care, diligence, and skill – Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services – Meet the standards of ethical behaviour, conduct, and client care required by the Code
Availability of Information
This disclosure can be provided in writing upon request if you receive it verbally or online.
Privacy
We handle your personal information in accordance with the Privacy Act. 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 and Date
Version: JVFS-Public-Disclosure
Date: 01 January 2026