Disclosure

Independence. We are not owned by, or aligned with, any bank or fund manager. Six KiwiSaver providers sit on our panel.

What we can advise on. Our advice covers KiwiSaver schemes only. We give advice across the six KiwiSaver providers on our panel and don't advise on any other type of financial product.

Fees. You won't normally receive an invoice from Summit Wealth directly. Some of our fees are paid to us by the KiwiSaver provider out of the fees you already pay them; with others, our fee is added on top of the provider's own fees and taken from your KiwiSaver balance. Any additional costs would be agreed with you in writing first. Which applies, and the exact figures for your situation, are set out in writing before you decide anything.

Commissions. KiwiSaver providers may pay us a commission when you take up our advice. The amount depends on the provider and the circumstances, and we'll tell you the specifics before you decide anything.

Other interests. Kyle Imeson, Summit Wealth's adviser, is a former director of Lika Limited, trading as Daisy Digital Marketing (he has resigned that role), and holds a 50% shareholding in Lika Limited (1% personally, 49% via The Freedom Trust). Lika is paid for marketing services to Summit Wealth and receives no commission or referral fee tied to any KiwiSaver provider or fund a client chooses. This interest has no bearing on which KiwiSaver provider or fund we recommend — those decisions are made against your goals, timeframe and risk profile, and the reasoning is set out for you in writing.

Referrals. If you need mortgage advice we may refer you to a mortgage adviser. Summit Wealth may receive a referral fee if you go ahead — we'll tell you before you decide.

Tower insurance referrals. Summit Wealth Limited holds a referral arrangement with Tower Insurance. Tower pays Summit Wealth an ongoing commission on any policy bought through our Tower referral link, and we tell you that at the point the link appears. The same link also appears on deets.co.nz, a website operated by Lika Limited, which has the same owners as Summit Wealth Limited. Tower deals with you directly for the quote and the policy — a Tower quote is not financial advice, and we don't advise on insurance.

Our duties. Kyle Imeson is bound by law to meet the standards of competence, knowledge and skill set out in the Code of Conduct for Financial Advice Services, to give priority to your interests, to exercise care, diligence and skill, and to meet the Code's standards of ethical behaviour, conduct and client care.

Complaints.If you’re ever unhappy with our advice or service, we want to hear about it — our Complaints page sets out how it works and how quickly we’ll respond. You can also take a complaint to our independent dispute resolution scheme, Financial Services Complaints Limited (FSCL), free of charge, at any point you’re not satisfied.