Last Updated: 15/11/2023 1. Licensing Irvine-Wenborn Investment Partners Ltd (FSP1003569, trading as Irvine Wenborn) holds a licence issued by the Financial Markets Authority to provide financial advice services. Matthew Wenborn (FSP552526) and Cameron Irvine (FSP726476) both give advice on behalf of Irvine Wenborn. 2. Contact You can contact us at: - Phone: 021 495 190 or 021 670 770 - Email: service@irvinewenborn.co.nz - Physical Address: Irvine Wenborn, 575 Springs Road, Prebbleton 7604 3. Nature and Scope of Engagement We can provide advice on the following areas: - Financial Planning - Retirement Planning - Investment Advice & Wealth Management (including strategic asset allocation, investment recommendations, and cash management) - KiwiSaver Advice - Expat Planning - Estate Planning We are not tied to any product provider, and the specific details of providers we recommend will be detailed in our advice documentation.​ 4. Fees and Expenses We do not charge for an initial meeting where we get to know each other. This enables clients to fully vet our advice and see if it is valuable to work together, before being signing any advice or application forms. Any fee charged to you subsequently will depend on the nature and scope of the advice or service we provide. We will discuss and agree on the actual fees with you before we proceed and explain how they are payable. Our typical initial planning/implementation fees range from $0 to $4,000 + GST. Irvine Wenborn charges an ongoing advice or servicing fee of up to 1% of funds under management. The fees charged for our initial advice and ongoing services may be based on a combination of a set dollar amount or a percentage-based fee. A quotation will be provided to you for approval before the services are provided. The quotation can at times allow for flexibility of the payment terms. We do also offer fee-for-service planning which is based on an hourly rate, and we do not custody any financial assets or oversee the management directly. 5. Conflicts of Interest Irvine Wenborn does not have any preferential terms (other than those readily offered to other market participants) or production performance agreements with any particular product provider. Irvine Wenborn does not have any commercial relationships or contractual arrangements that present any particular conflict of interest to consumers generally which would be reasonably likely to materially influence us in providing the financial adviser service. We are not required to place any level of business with any supplier or financial organisation. We do not have any other financial or other relationship with any other person that would be reasonably likely to influence us in giving advice. We may pay a founders fee to professionals who have referred clients to us, and those clients have chosen to proceed with the engagement. For investments and portfolio management, Irvine Wenborn and the financial adviser will charge a fee for any investments we recommend and monitor for you in the way of an Adviser servicing fee if you proceed. This will be a percentage amount based on your funds under management. For KiwiSaver, Irvine Wenborn and the financial adviser may receive commissions from the KiwiSaver providers who we recommend. If you proceed with the recommendations, the KiwiSaver provider may pay a trail income to Irvine Wenborn, this amount is based on your funds under management. To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our personalised recommendations are made on the basis of the client’s goals and circumstances, as advised to us. Irvine Wenborn financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed every two years by our external compliance adviser. 6. Disputes and Complaints If you are not satisfied with our financial advice service you can make a complaint by emailing service@irvinewenborn.co.nz, or by calling 021 670 770. You can also write to us at: Irvine Wenborn, 575 Springs Road, Prebbleton 7604. When we receive a complaint, we will consider it using our internal complaints process: We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint. We aim to resolve complaints within 10 working days of receiving them. If we can’t, we will contact you within that time to let you know we need more time to consider your complaint. We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so. If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact The Financial Dispute Resolution Scheme (FDRS). The FDRS provides a free, independent dispute resolution service that may help investigate or resolve your complaint. You can contact the FDRS by: - Mail: Freepost 231075, PO Box 2272, Wellington, 6140 - Free telephone within NZ: 0800 337 337 - Overseas: +64 4 910 9952 - Website: www.Fdrs.org.nz - Email: enquiries@fdrs.org.nz​ 7. Duties Irvine Wenborn, and anyone who gives financial advice on our behalf, has 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 (431K) - Exercise care, diligence, and skill in providing you with advice (431L) - 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) (431I) - Meet standards of ethical behavior, 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. 8. General Disclaimers The information provided and services described in this website are of a general nature and are not intended to be personalised financial advice to a retail client. The information provided in this website is not intended to be a substitute for professional advice. You may seek appropriate personalised financial advice from a qualified professional to suit your individual circumstances. Whilst every effort is made to ensure the information on this website is up to date and correct Irvine Wenborn makes no representations or warranties of any kind, express or implied, about the accuracy, reliability, completeness, suitability or availability of the website or the information about the products and services provided on the website. The information on this website is subject to change at anytime. Irvine Wenborn is under no obligation to update any information on this website or correct any errors in the information after it is published on the website. Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any actions you take or do not take by relying on such information. To the full extent legally allowable the directors, contractors, associates and staff of Irvine Wenborn expressly disclaim all and any liability and responsibility to any person in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this website. The disclaimers and limitations of liability do not prejudice your rights under the Consumer Guarantees Act 1993, nor are they intended to exclude liability arising under statute. The information published on this website is governed by, and has been prepared to comply with, the New Zealand law. The information is only intended for persons within the New Zealand jurisdiction and is not intended for persons outside the New Zealand jurisdiction. Irvine Wenborn does not accept responsibility for the compliance of this information with the laws of any other country. The laws of New Zealand shall govern your use of the website and by visiting this website you hereby agree to submit to the exclusive jurisdiction of the New Zealand courts. Although Irvine Wenborn regularly updates its virus protection software, it does not warrant that the server that makes the information and contents of this website available is free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the correct display and/or presentation of any material contained on this website. Through this website you may be able to link to other websites which are not under the control of Irvine Wenborn. Irvine Wenborn has no knowledge of or control over the nature, content, and availability of those websites. Irvine Wenborn does not sponsor, recommend, or endorse anything contained on these linked websites. Irvine Wenborn does not accept any liability of any description for any loss suffered by you by relying on anything contained or not contained on these linked websites. All materials on this website are protected by copyright and intellectual property laws and are the property of Irvine Wenborn unless otherwise explicitly stated. The website may also contain a number of trademarks, logos and symbols which are either owned by Irvine Wenborn or used with the approval of the owners of those trademarks, logos and symbols. Nothing on the website should be construed as granting any licence to use any trademark without the permission of the trade mark owner. Any material on this website that is identified as being subject to copyright of a third party, authorisation to use or reproduce such material must be obtained from that third party. Unless stated otherwise, you may access and download the materials located on this website only for personal, non-commercial use. Disclosure statements relating to the advisers associated with this website are available on request and free of charge.