Financial Adviser Disclosure Statement
It is important that you read this document. Licensed by the Financial Markets Authority (FMA) · FSP 605149. Please read this document before engaging our services. It explains who we are, what advice we give, how we are paid, and what to do if something goes wrong.
Contact Information
Purpose Of This Document
This disclosure provides important information to help you decide whether to seek financial advice from us. It outlines the services we provide, how we are paid, potential conflicts of interest, and what to do if something goes wrong.
Nature And Scope Of Financial Advice
We are authorised under JV Financial Services Ltd to provide advice in the following areas:
Insurance — Life, Trauma/Critical Illness, Total & Permanent Disability, Travel Insurance, Health/Medical, and Income Protection. Providers include AIA, Asteron, Fidelity Life, CHUBB, Southern Cross, Allianz, Cover-More, and NIB.
KiwiSaver And Investments — Advice on KiwiSaver schemes and investment products offered by providers such as Generate and Milford.
Referrals — We can refer you to specialists for mortgages, personal and vehicle loans, and asset finance.
Limited Advice — On unit trusts and other financial products.
Material Limitations: Advice is generally limited to the providers listed above. If your needs would be better met by products from outside this list, we will inform you and, if appropriate, refer you to another adviser.
Reliability History
Neither Jan Viljoen nor JV Financial Services Ltd has been subject to any reliability event that may materially influence your decision to seek advice from us.
Qualifications And Experience
Jan holds the New Zealand Certificate in Financial Services (Level 5). To maintain competence, ongoing professional development is undertaken and the Code of Professional Conduct is adhered to, prioritising your needs and best interests.
Fees And Expenses
In most cases, you will not be charged a fee for advice. If a fee may apply, it will be agreed with you in writing before work commences. Fees may apply in the following situations:
- Products with no or low commissions
- Commission clawback by the provider if you cancel or change your policy within the clawback period
- Specialist work outside the usual scope
Any fee will reflect the time and complexity of the work, with clear written confirmation before you incur it.
Commissions, Conflicts Of Interest & Incentives
JV Financial Services Ltd receives commissions from insurance and investment providers for policies or products you take up through our advice. These commissions are a percentage of your premium or investment and vary depending on the provider and product.
We may also receive minor non-monetary benefits such as training or hospitality from providers. Before finalising advice, we will disclose the commission structure and any relevant incentives specific to your recommendations.
To manage conflicts of interest, we:
- Follow a documented advice process focused on your needs and goals
- Are not contractually obligated to recommend any particular provider
- Maintain a conflicts register and disclose potential conflicts to you
- Undertake annual training on managing conflicts of interest
- Record and review all gifts or benefits received
Complaints And Dispute Resolution
If you are not satisfied with our service, please contact us directly on 022 599 8127 or info@jvfs.co.nz. We will acknowledge your complaint within 2 working days, investigate promptly, and aim to resolve it within 10 working days.
If we cannot resolve your complaint, you can contact Financial Services Complaints Ltd (FSCL) — a free, independent dispute resolution service:
Duties Under The Financial Markets Conduct Act 2013
We, and anyone who gives financial advice on our behalf, have duties to:
- Give priority to your interests
- Exercise care, diligence, and skill
- Meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct
- Meet the standards of ethical behaviour, conduct, and client care required by the Code
Privacy
We handle your personal information in accordance with the Privacy Act 2020. You may request a copy of our Privacy Policy to see how we collect, use, and store your information, and how you can access or correct it.
Version And Date
Version: JVFS-Public-Disclosure
Date: 01 January 2026