FOUNDHER

Licensing and Registration

Registration Details: We are registered on the Financial Service Providers Register. You can verify our registration on their website: https://fsp-register.companiesoffice.govt.nz/

Contact Details:
Email: [email protected]

Nature and Scope of Advice

We provide personalised financial planning services to help you align your financial resources with your life goals. All our advice is tailored to your specific circumstances, financial situation, and goals. We do not provide general financial advice.

Types of Financial Advice Services We Offer

Comprehensive Financial Planning

Our primary service is creating a personalised financial plan for you. This involves working closely with you to understand your current financial situation, identify your goals, and develop strategies to achieve them, ensuring your money works effectively for you.

This process typically includes gathering detailed information, analysing your situation, developing a tailored strategy, and presenting you with a written financial plan.

KiwiSaver Advice

We offer personalised advice on your KiwiSaver investment. This includes helping you understand your options, assessing your risk profile for KiwiSaver, and providing recommendations on KiwiSaver funds and providers from our selected range (see "Product Providers We Work With" below). Our aim is to help you make informed decisions to maximise your retirement savings.

Referral Services

If your financial plan requires specialised advice outside our direct expertise, we can refer you to other trusted professionals, such as:

• Mortgage Advisers (for home loans and lending)
• Insurance Advisers (for life, health, income protection, etc.)
• Legal Professionals (Lawyers — for wills, trusts, estate planning)
• Accounting Professionals (Accountants — for tax advice)

We will discuss any referrals with you. We do not currently accept referral fees, but if this changes in the future, any such arrangement will be disclosed to you at the time of referral (see Sections 4 and 5).

Product Providers We Work With (for KiwiSaver and Mananged Funds)

Limitations on the Scope of Our Advice

• Our Focus: Our expertise is comprehensive financial planning and personalised KiwiSaver advice using the providers listed above.
• Services by Referral Only: We do not directly advise on specific mortgage or insurance products; these are handled through referral.
• Products Not Advised On: We do not directly advise on individual shares or bonds (unless via managed funds like KiwiSaver), or investment products other than KiwiSaver schemes from our listed providers.
• Recommendations and Implementation for Other Managed Funds (Non-KiwiSaver): We will provide recommendations for appropriate managed funds from our selected list as part of your comprehensive financial plan. However, the final decision to invest in any recommended managed fund and the implementation of that investment rests solely with you. We do not implement these investments on your behalf.
• No Portfolio Management: We do not actively manage your investments on an ongoing discretionary basis.
• No Ongoing Monitoring (unless separately agreed): We do not continuously monitor investment performance or provide unsolicited market advice outside of agreed review meetings.
• No Investment Guarantees: All investments carry risk, and we do not guarantee the performance of any investment product.

Our Duties and Obligations

FoundHer Limited, and anyone giving financial advice on our behalf, operate under duties imposed by the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services.

We are required to:

• Prioritise Your Interests: We take all reasonable steps to ensure our advice is not materially influenced by our own interests. How we manage specific conflicts of interest is detailed in Section 5.
• Exercise Care, Diligence, and Skill: We provide financial advice with the care, diligence, and skill expected of a prudent financial advice provider.
• Meet Competence Standards: We meet the standards of competence, knowledge, and skill set by the Code of Professional Conduct, ensuring our advisers have the expertise to advise you. Our advisers undertake ongoing professional development.
• Meet Ethical Standards: We adhere to the standards of ethical behaviour, conduct, and client care set by the Code of Professional Conduct, ensuring we treat you fairly and provide suitable advice.

This is a summary of our duties. More information is available from us or the Financial Markets Authority (FMA) website: https://www.fma.govt.nz.

Fees and Expenses

It is important you understand how we are paid. We are committed to transparency regarding our fees. All fees include GST.

How We Are Remunerated

Financial Planning Fees: Our payment for financial planning comes entirely from fees you pay directly for our services. We do not receive commissions, trailing fees, or ongoing payments from any product providers.

Schedule of Fees

Service	Fee (incl. GST)
Wealth Plan Comprehensive financial planning service including personalised financial plan, KiwiSaver advice, and strategic recommendations	$3,333
Ultimate Money Date 2-hour single session for focused financial guidance	$597
Review Session 1-hour session for returning clients (quarterly or six-monthly review)	$299

Payment Options: We offer flexible payment options. Specific payment arrangements will be discussed and agreed with you before work begins.

Conflicts of Interest and Incentives

We are committed to managing any actual or potential conflicts of interest to ensure your interests are always put first. Your trust is important, and we operate transparently.

Our Fee-Only Model Eliminates Common Industry Conflicts

By operating on a fee-only basis with no commissions from product providers, we have eliminated the financial advice industry's most significant conflict of interest: the incentive to recommend products that pay higher commissions rather than products that best serve your needs.

Description of Any Actual or Potential Conflicts of Interest

Referral Arrangements

We do not currently accept referral fees from other professionals we refer you to (mortgage advisers, insurance advisers, lawyers, accountants). If this changes in the future, we will disclose any such arrangement to you at the time of referral.

Non-Monetary Benefits

We may occasionally receive minor non-monetary benefits from product providers or industry organisations, such as educational training, conference attendance, or small promotional items. All gifts with a value of over $250 must be recorded in our Gifts Register. No gift or other benefit may be received if it has a monetary value greater than $500.

How We Manage Conflicts of Interest to Prioritise Your Interests

• Client-First Approach: Our foremost duty is to act in your best interests.
• Needs-Based Recommendations: Our financial advice is based entirely on assessing your individual needs, financial situation, goals, and risk tolerance. We have no financial incentive to recommend one product over another.
• Transparent Disclosure: We will always clearly disclose how we are paid. If any conflict arises, we will provide you with specific details before you make any decision.
• Fee-Only Structure: Our fee-only model ensures we are paid directly by you for strategic advice, not by product providers for sales.
• Provider Selection (KiwiSaver): We recommend KiwiSaver products from providers (listed in Section 2) selected based on criteria like investment capability, fees, service quality, and client value — not commission arrangements.
• Management of Non-Monetary Benefits: Any minor non-monetary benefits received are managed to ensure they do not improperly influence our advice.
• Internal Policies & Training: Our advisers are trained to manage conflicts, and we operate under policies designed to prioritise client interests.
• Register of Conflicts: We maintain a register of conflicts of interest and how they are managed.

Complaints Handling and Dispute Resolution

We are committed to providing a high-quality financial advice service. If you are not satisfied with our service, please let us know. We view complaints as an opportunity to learn and improve.

Our Internal Complaints Process

If you have a complaint, please contact us:

Our process:

• Acknowledgement & Clarification: We'll acknowledge your complaint within 2 working days. We'll gather details to understand your concerns and desired resolution, and outline next steps and expected timeframes.
• Investigation & Action: We'll investigate thoroughly and impartially, aiming to finalise within 2 months (40 working days). We'll inform you of any delays.
• Communication of Outcome: We'll advise you of the outcome, explain our decision, and discuss any resolution. If unresolved, we'll inform you of your right to refer to our external dispute resolution scheme.
• Recording: We record complaint information for review and improvement.

External Dispute Resolution Scheme

If you are not satisfied with our internal process outcome, you can refer your complaint to the Financial Dispute Resolution Service (FDRS). FDRS is an independent scheme, free for consumers.

Generally, you must refer your complaint to FDRS within 3 months of our final decision or 2 years from your first complaint to us, whichever is later.

Privacy Policy

We are committed to protecting your privacy and the confidentiality of your personal information. For detailed information on how we collect, use, and protect your personal information, please see our full Privacy Policy.