Our Disclosure

Joann Financial Services are engaged directly by Wealthpoint Limited which holds a financial advice provider licence (FAP) and is regulated by the Financial Markets Authority to provide financial advice. For more information, visit here: www.joannfs.com

You can contact us at:

Address: PO Box 33 833 Takapuna,Auckland, 0740

Phones: (0064) 21-965233

Email: info@joannfs.com

Website: www.joannfs.com

We can provide advice in the following areas:

General & Business Insurance

• House

• Home contents

• Car & Boats

• Rental Property, optional Landlord Extension

• Construction - Site Cover

• Rural - Farm & Lifestyle

• Tradies

• Marine

• Small & Medium Enterprises

• Asset protection - including buildings, vehicles, Contents, stock, plant, and machinery

• Express Liability Protection - public, statutory, employers

• Business interruption protection - essential financial support if a disaster disrupts your gross profits

• Professional Indemnity

• A disclosure statement is available on request and free of charge from your Adviser.

Key Insurance providers: AMP, VERO, STEADFAST, STARINSURE

Health Insurance
Private health insurance covers the cost of many non-urgent procedures and allows patients to receive treatment at private hospitals more quickly. When you don’t have to wait for treatment in the New Zealand health system, you can get back to work faster and live a better life.

• Personal Cover: surgery and specialists; diagnostic imaging and tests; Government non-funded drugs etc.

• Business Group Scheme (Employee's Benefit): this protects your employees and their families from the financial implications of sickness or injury.

Key Insurance providers: Southern Cross, NIB, Accuro; Parterslife, AIA

Life Insurance

Life insurance can cover more than just the loss of income. It can take care of final expenses, such as funeral and burial costs, that might otherwise pose a significant financial burden on your family.
Additionally, it can be a valuable tool for long-term planning, helping fund a child's education, a spouse's retirement, or a charitable cause you hold dear. In essence, life insurance acts as a financial pillar that not only mitigates the risks associated with unexpected events but also helps in realizing the dreams and ambitions of your loved ones.

• Life Cover

• Accident death

• Trauma Cover

• Total Permanent Disabled Cover

• Income & Mortgage Protection

A disclosure statement is available on request and free of charge from your Adviser.
Key Insurance providers: Fidelity, Asteron Life, PartnersLife, Resolution Life, AIA

Kiwisaver

At Joann Financial Services we provide advice on KiwiSaver to help you get the most from the scheme.
KiwiSaver is a voluntary work-based savings initiative that makes it easier for you to save for your future. KiwiSaver makes it easier to save because money is put into a KiwiSaver scheme from your weekly, fortnightly or monthly pay.
Benefits include an annual Member Tax Credit contribution of 50 cents for every dollar you save, up to a maximum of $521.43/each year(if eligible), compulsory contributions from your employer (if eligible) and help with buying a first home (conditions apply)

Key Insurance providers: AMP, Milford,Fisher Funds, Booster, Nikkoam etc.

Our advisers

We have several advisers. All advisers can give advice on personal insurance. Business risk is a specialist area and only some advisers can provide this advice. Please contact your adviser - a disclosure statement is available on request and free of charge.

Our duties and obligations to you

On providing financial advice to you on Wealthpoint Limited's behalf as the holder of a transitional Financial Advice Provider Licence, I am bound to:

• give priority to the client's interests

• exercise care, diligence, and skill

• meet standards of competence, knowledge and skill set by the Code of Professional Conduct

• meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct.

How we get paid

Commission:

If you decide to take any of our recommended general insurance, life and health insurance through us, Joann Financial Services and the financial adviser receive commissions from the relevant insurance companies. The amount of the commission is based on the amount of the premium and can vary depending on the insurance company used and will be detailed at the time any advice is provided to you.

Fees and expenses:

If you purchase a LIFE insurance product through Joann Financial Services and cancel it within 24 months, and the product provider requires us to pay back the commission we received, we reserve the right to charge you a cancellation fee equivalent to a reasonable value of the work we have performed in providing that advice i.e., number of hours worked x hourly rate ($150) or the amount clawed back by the insurance company.
How we calculate any cancellation fee amount will be advised at the time our advice is provided to you.

Conflicts of Interest

To ensure Wealthpoint advisers prioritize the client's interests above their own, our advisers follow an advice process that ensures our recommendations are made based on the client's goals and circumstances. We are regulated by the FMA and are subject to a Wealthpoint quality assurance process for compliance purposes.

Complaints and Disputes

If you are not satisfied with our service or financial advice, please tell us as soon as possible so that we can try and resolve this for you to the best of our ability. It is our intention to provide the best possible service we can for our clients, and we will do our best to try and resolve any complaint received as quickly and effectively as possible. You can make a complaint by calling (0064) 21-965233 or emailing info@joannfs.com You can also write o us at PO Box 33 833 Takapuna, Auckland 0740 (please be aware of possible postal delays).

We will follow our internal complaint process:

• We will consider your complaint and let you know how we intend to resolve it. Where possible, we try to resolve your complaint immediately.

• If we are unable to resolve your complaint immediately, we will acknowledge your complaint within 2 business days. We may contact you for further information about your complaint.

• We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint.

• We will contact you by phone, email, or letter to let you know whether we can resolve your complaint and how we propose to do so.

If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact IFSO.
IFSO provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction.

You can contact IFSO by emailing info@ifso.nz or by calling 0800 888 202. You can also write to them at Insurance & Financial Services Ombudsman Scheme PO Box 10-845, Wellington 6143, New Zealand.