Financial Advice Provider Disclosure Statement

This Disclosure Statement was prepared on: 30th June 2025

Full License Holder effective 30/06/2025: InvestIQ Limited

Financial Services Provider Register Number: FSP1010038

Address: 91A Churchill Road, Murrays Bay, Auckland 0630

Phone Number: 09 215 9923

Email Address: info@investiq.co.nz

Nature & Scope of Advice

We can provide personalised financial advice about KiwiSaver products and services from the providers listed below.

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At InvestIQ, we specialise exclusively in providing advice related to KiwiSaver. Our service is focused on helping you make informed decisions about your KiwiSaver account to support your long-term retirement savings goals. We provide personalised guidance on:

  • Choosing the most appropriate KiwiSaver fund based on your investment goals, timeframe, and risk profile

  • Assessing and adjusting your contribution levels

  • Reviewing your current KiwiSaver provider and fund performance

  • Helping you understand KiwiSaver features, such as government contributions, first home withdrawal, and retirement withdrawals

Our advice is limited to KiwiSaver and does not include broader investment, insurance, estate, accounting & taxation or full financial planning services. If your needs extend beyond KiwiSaver, we may refer you to a suitably qualified adviser

Fees & Commissions  

InvestIQ Limited is remunerated by way of the fees it charges you, and the fees and commissions it receives from product providers.

Advice Fees charged by InvestIQ Limited

We may charge a fee for the financial advice provided to you. If a fee is charged, it will depend on the nature of the financial advice and service that we provide. Most commonly, such fees may be:

Financial and retirement planning: based on an hourly rate or an upfront planning fee.

In all instances, the exact fees we may charge, if any, will be confirmed at the time the advice is provided and agreed upon by you beforehand. All our fees are payable within seven days of the date you receive the invoice.

Commissions paid by Investment and/or KiwiSaver product providers

InvestIQ receives commissions from the providers on whose products we give financial advice. If you decide to take our advice, the provider will pay a commission to InvestIQ as follows.

Initial Commission - An onboarding fee ranging from $50 up to $300 and,

Ongoing commission - a percentage of the value of your investment balance, usually calculated at the end of each month in which you hold the investment.

Duties Information

InvestIQ and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.

We are required to:

  • give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests

  • exercise care, diligence, and skill in providing you with advice

  • meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)

  • meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice)

    This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz.

Conflicts of Interest that may arise

From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. All our financial 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. InvestIQ monitors these registers and provides additional training where necessary.