Transparency is a core value at Cox Ferguson. Please take your time to read and understand our public disclosure.
May 2026 | Prepared by Cox Ferguson Group Limited
At CFFS, we're all about giving friendly and caring financial advice to everyone. We believe that financial advice shouldn't be limited to a select few, but should be accessible and inclusive for all. We genuinely care about each person's unique goals and challenges, and we're here to help you make informed decisions in a friendly and supportive manner.
We want our clients to do well, and we approach our advice in this way. We feel that giving the best experience to our clients will help them grow their legacy, and this in turn will grow our legacy as well.
Our advice is free of charge to our clients as we generate our revenue through the product providers we recommend if and when our advice is taken. Good advice comes with no obligations.
Cox Ferguson Group Limited trading as Cox Ferguson Financial Services (FSP1004780) is a Financial Advice Provider that holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services.
You can find us listed on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz.
Cox Ferguson Financial Services is a financial services firm in New Zealand specialising in Personal Insurance and generalised KiwiSaver advice. Our mission is to empower Kiwis to secure their financial future by providing the best advice possible.
Quality of advice is our passion and what we do helps our clients protect their legacy and build confidence in their future. We are here to help you with all your Personal Insurance and KiwiSaver needs.
The conditions of our licence allow us to provide the following financial advice services: Personal Risk & Medical Insurance, and KiwiSaver.
Cox Ferguson Group Limited provides personalised advice that takes into account your individual circumstances to determine the personal risk products that best meet your personal goals and needs. We follow a documented advice process that uses your personal situation to work out what's important to you, what products you need and how much cover you should have in place. We then recommend the provider that offers the cover most suited to your stated preferences.
Providers we work with. Cox Ferguson Group Limited have chosen to work with the following personal risk insurers:
This means that Cox Ferguson Group Limited will only consider the providers listed above when recommending a product to meet your personal risk insurance needs.
How we are paid. Cox Ferguson Group Limited does not charge any upfront fees for our risk advice services. To ensure advice remains accessible for all our clients, we are paid a commission by the provider of any product you put in place on the back of our recommendation.
At Cox Ferguson Group Limited, we provide generalised advice on KiwiSaver, limited to the providers we have chosen to work with.
Generalised advice is a non-personalised service where we can help you work out what your risk profile is when it comes to investing and recommend a KiwiSaver fund that matches your investment timeframe and tolerance for financial risk.
We do not offer investment planning or retirement planning services. If you would like personalised advice about your KiwiSaver, Cox Ferguson can refer you to an investment specialist that can help.
Furthermore, we are able to refer you to other service providers, including Generate for Managed Funds. If you decide to invest with Generate, Cox Ferguson will receive a commission for referring you. The commission is an ongoing payment of 0.125% of your account balance. This fee is paid to me by Generate from the revenue they receive from the fees you pay.
We have chosen to work with the following KiwiSaver providers when helping our clients:
How we are paid. We do not charge our clients any fees for providing generalised advice on KiwiSaver. We are paid through the providers who may pay us an upfront fee and a small amount of ongoing commission based on funds under management.
With regard to Mortgage related services, Cox Ferguson Group Limited (trading as Cox Ferguson Financial Services FSP1004780) & I liaise with external mortgage broking services and will refer clients for the purpose of obtaining the advice required by the client. These external mortgage broking services work with the banks and lenders to recommend the lending products and solutions that they know best fits your circumstances and requirements. The external mortgage services that we work with are:
How we are paid. Cox Ferguson Group Limited does not get paid any fees for referring clients for Home Lending advice.
We use a secure advisory platform with artificial intelligence capabilities to support the research and preparation of the advice we give you. Technology helps us analyse policy wordings, compare cover options, prepare documents, and keep our research consistent. All advice is given, reviewed, and signed off by your licensed financial adviser, who is responsible for its suitability. Technology assists our process; it does not replace the professional judgement of your adviser. For more information about how we handle your personal information, please see our Privacy Policy.
All of the services Cox Ferguson Group Limited offers are provided free of charge to our clients. This is because we are paid by the providers when one of their products is taken up on the back of our recommendation. Although we are paid by the providers, we always put your interests first:
Under the Financial Markets Conduct Act 2013, it is the duty of Cox Ferguson Group Limited and our advisers to:
We value the ability of our clients to provide feedback about the service they have received as well as the opportunity to put it right when they are unhappy with any aspect of our service.
If you would like to raise concerns about the service you have received, we have an internal complaint process that we will follow when we receive your formal complaint. Our internal process involves:
If you would like to make a complaint, please email: admin@coxferguson.co.nz. If you are unsatisfied with the outcome of our internal complaints process, you are able to escalate it to our dispute resolution scheme:
They are an independent dispute resolution service provider that help resolve complaints about financial service providers, free of charge.
Our trusted providers play a crucial role in enabling us to assist our clients effectively. We are proud to work with such a great selection.
At the heart of our approach, our valued providers equip us with the essential tools and a diverse range of products. These invaluable resources empower us to guide our clients towards making well-informed decisions, allowing them to confidently pave the way for a secure financial future.
By collaborating with our trusted partners, we genuinely strive to put the best interests of our clients first, ensuring they have access to the necessary resources and expert guidance that aligns perfectly with their unique needs.
