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.

Our Services

The conditions of our licence allow us to provide the following financial advice services:

• Personal Risk & Medical Insurance

• KiwiSaver

• Home Lending

1. Personal Risk & Medical Insurance

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:

• Chubb Life

• Fidelity Life

• NIB Health

• AIA Life & Health

• Asteron Life

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.

2. KiwiSaver

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:

• Generate

• Booster

• Pathfinder

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.

3. Home Lending

Cox Ferguson provides a personalised advice service on Home Lending, specialising is areas such as:

• New Purchase Lending (First Home)

• Investment Property Lending

• Refinancing

• Re-fixes

We have chosen to work with the following Lending providers when helping our clients:

• ANZ

• BNZ

• Cooperative Bank

• Funding Partners

• Plus Finance

• Pallas Capital

• DBR

• Liberty

• SBS

• Avanti

• Westpac

• Co-Operative Bank

• ASAP Finance

• Cressida Capital

• Heartland Bank

• Prospa

• BuzCap

• Basecorp Finance

• First Mortgage Trust

• Unity SouthernCross Partners

How we are paid

Cox Ferguson Group Limited does not charge any upfront fees for our lending advice services. To ensure advice remains accessible for all our clients, we are paid a commission by the lending provider of any product you put in place on the back of our recommendation.

How we manage conflicts of interest and put your interests first

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:

• We follow a proven 6-step advice process that puts our clients needs at the heart of the advice process.

• We identify and disclose the maximum level of commission we may get on the back of our recommendation.

• If our recommendation involves replacing cover, we will provide a comparison of covers and explain what the recommended provider offers that your existing cover does not. We will also let you know if there is anything your existing provider covers that the recommended provider will not.

• All our recommendations are provided in writing with an explanation as to how they are based on your individual needs.

• Cox Ferguson Group Limited completes internal and external reviews of our advice process to ensure we follow a thorough review process that puts client interests first.

Our Duties

Under the Financial Markets Conduct Act 2013, it is the duty of Cox Ferguson Group Limited and our advisers to:

• Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice

• Give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice

• Exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances

• Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice

What if something goes wrong

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:

1. Requesting your complaint in writing,

2. Acknowledging the receipt of your complaint within 2 working days of receiving it,

3. Investigating your concerns by speaking with all the involved parties and reviewing all the documentation we hold on file,

4. Providing a formal written response within 28 days of acknowledging your concerns.

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: ]

• Scheme: Financial Dispute Resolution Service

• Address: Freepost 231075 PO Box 2272 Wellington 6140

• Telephone number: 0508 337 337

• Email address: enquiries@fdrs.org.nz

They are an independent dispute resolution service provider that help resolve complaints about financial service providers, free of charge.