Disclosure Statement

DISCLOSURE STATEMENT – ELIZABETH MARY BLAKE

  1. About Us

Financial Advice Provider (FAP): Mind & Money Limited

FSPR Number: FSP242225

Licence Status: Licensed Financial Advice Provider

You will receive financial advice from:

Financial Adviser: Elizabeth Mary Blake

FSPR Number: FSP242225

Role: Sole Financial Adviser engaged by Mind & Money Limited

Phone: 027 497 9095

Email: liz@mindandmoney.co.nz

Website: mindandmoney.co.nz

 

  1. Nature and Scope of Our Advice

Mind & Money Limited provides financial advice on the following products and services:

  • KiwiSaver advice
  • Mortgage advice
  • Investment advice (including managed funds and property)
  • Retirement Planning

We do not provide advice on:

  • Personal insurance
  • Derivatives or complex structured products
  • Legal, accounting, or tax matters

If your needs fall outside our scope, we will let you know and may refer you to another professional.

 

  1. Fees and Charges

For financial advice services, we charge:

  • A fixed fee of $420 plus GST

This fee will be confirmed with you before any work begins. We do not charge any additional fees, hourly rates, or ongoing service charges unless agreed in advance.

 

  1. Commissions, Incentives, and Conflicts of Interest

Mind & Money Limited:

  • Does not receive commissions
  • Does not receive referral fees
  • Does not accept incentives, soft‑dollar benefits, or add‑ons from any product provider

This means our advice is independent and solely focused on your best interests.

To further manage any potential conflicts of interest, we:

  • Maintain a conflicts‑of‑interest policy
  • Keep a gifts and incentives register (currently empty)
  • Undertake regular training on ethical conduct and the FMCA duties

 

  1. Our Duties to You

We are bound by the duties set out in the Financial Markets Conduct Act 2013, including to:

  • Give priority to your interests
  • Exercise care, diligence, and skill
  • Meet the competence, knowledge, and skill standards of the Code of Professional Conduct
  • Meet the ethical behaviour, conduct, and client‑care standards of the Code

These duties ensure you receive high‑quality, client‑focused advice.

 

  1. Complaints and Dispute Resolution

If you are unhappy with our service, please contact:

Complaints Contact: Liz Blake Email: liz@mindandmoney.co.nz Phone: 027 497 9095

We will:

  • Acknowledge your complaint within 2 business days
  • Work to resolve it within 10 business days
  • Keep you informed throughout the process

If we cannot resolve your complaint, you may contact our independent dispute resolution scheme at no cost:

Scheme: Insurance & Financial Services Ombudsman Scheme (IFSO) Member Number: 5008655 Phone: 0800 888 202 Email: info@ifso.nz Website: www.ifso.nz Address: PO Box 10‑845, Wellington 6143

 

  1. Privacy and Use of Your Information

We collect and use your personal information in accordance with the Privacy Act 2020. This includes:

  • Storing your information securely
  • Using it only for providing financial advice
  • Allowing you to access or correct your information at any time

A full copy of our privacy policy is available on request.

 

  1. How to Contact Us

Mind & Money Limited

Phone: 027 497 9095

Email: liz@mindandmoney.co.nz

Website: mindandmoney.co.nz