Page 12, Insurance adviser conduct obligations

Byline: Steve Wright

This article is for information purposes only, its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service. It is recommended you seek advice from a financial adviser which takes into account your
individual circumstances before you acquire a financial product.

Page 16, The long and short of it

Byline: Harbour Asset Management

https://www.harbourasset.co.nz/terms-and-conditions/

Page 30, Active management or an index approach ?

Byline: David van Schaardenburg

Findex Advice Services NZ Limited trading as Findex.

The views and opinions expressed in this article are those of the author/s and do not necessarily reflect the thoughts or position of Findex.

The information contained is of a general nature only and does not consider your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relations to a financial product, you should obtain and read the relevant Product Disclosure Statement or information. You should seek personal financial advice before acting on any material.

An Adviser Disclosure Statement is available on request and free of charge.

The title 'Partner' conveys that the person is a senior member within their respective division and is among the group of persons who hold an equity interest (shareholder) in its parent entity, Findex Group Limited.  The only professional service offering which is conducted by a partnership is the Crowe Australasia external audit division.  All other professional services offered by Findex Group Limited are conducted by a privately-owned organisation and/or its subsidiaries.