Name: Diana McIntyre
FSP Number: FSP1006863
Phone: 021888090
Email: diana@rapson.co.nz
Address: 7/30 Willow Street, Tauranga, 3144
I am a financial adviser and provide advice on behalf of Rapson Loans & Finance Ltd (FSP767832). Rapson’s are licensed as a Financial Advice Provider with a Class 2 licence regulated by the Financial Markets Authority. Both Rapson Loans & Finance and I are registered on the financial services provider registry which can be viewed at fsp-register.companiesoffice.govt.nz
Financial Advice:
I provide financial advice about Personal & Business Insurances & KiwiSaver. Provided by the following organisations:
- AIA Life
- Chubb Life
- Fidelity Life
- NIB
- Partners Life
- Generate KiwiSaver Scheme
When working with you I:
- give priority to your interests;
- exercise care, diligence, and skill;
- meet standards of competence, knowledge
and skill set by the Code of Professional
Conduct for Financial Advice Services
- meet standards of ethical behaviour,
conduct and client care set by the Code of
professional Conduct for Financial Advice
Services.
My Duties
Under the Financial Markets Conduct 2013 I am bound to:
- give priority to 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 I am paid
I do not charge an upfront fee for Insurance or KiwiSaver advice. This service is complimentary and comes with no obligation. If you decide to implement my advice, Rapson Loans & Finance Ltd remunerated by the Insurer / KiwiSaver providers.
Regardless of the provider, my advice is always in your best interest, and all fees will be fully disclosed upfront, no surprises.
For Insurances, Rapson Loans & Finance Ltd are paid in the form of commission from the providers through which I place business. The amount of the commission Rapsons receive depends on the Annual Premium. Typically an upfront initial commission of between 140%-220% of the annual premium and an annual ongoing commission of between 5-15% for every year the policy is in force. I will provide more specific details of these commissions at the time our advice is given.
For KiwiSaver, Generate pay a trail commission up to $300 on joining the Scheme (depending on the size of your contributions within the first 12 months), and an ongoing amount, no greater than 0.25% per annum of your account balance. They pay these costs from the revenue they receive from the fees you pay to them.
Conflicts of interests
To ensure I prioritise clients’ interests:
- I follow an advice process that ensures our
recommendations are made appropriately,
based on clients’ goals and circumstances.
- I undergo annual training about how to
manage conflicts of interest.
- Rapson maintain registers of conflicts of
interests and the gifts and incentives I
receive. These registers are monitored
regularly, and additional training is provided
as required.
Complaints Process
If you are not satisfied with my service or financial advice, please tell us as soon as possible.
Call: 07 577 1209
Write to: PO Box 348, Tauranga 3110
When Rapson receive a complaint:
They will consider your complaint and let you know how they intend to resolve it. Where possible, they try to resolve your complaint immediately. If they are unable to resolve your complaint immediately, they will acknowledge your complaint within 2 business days. Rapson's may contact you to get further information about your complaint.
Rapson’s aim to resolve complaints within 20 business days of receiving them. If they need more time to investigate your complaint, they will let you know when you can expect to receive a response to your complaint. They will contact you by phone, email or letter to let you know whether they can resolve your complaint and how they propose to do so.
If we cannot agree on how to remedy the concern, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme, Financial Services Complaints Ltd (FSCL) – A Financial Ombudsman Service. FSCL has been approved by the Minister of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. FSCL provides a free and independent dispute resolution service that may help to resolve your complaint if we haven’t been able to do so to your satisfaction.
To contact FSCL:
Call: 0800 347 257
Email: complaints@fscl.org.nz
Write to: FSCL PO Box 5967 Wellington