Nature and Scope
At GRIA we help our clients plan their investment strategies, strategic and dynamic asset allocation, and to understand their risk tolerance. For more detailed information about our services, have a look at our Disclosure Statement.
We can advise on:
Estate and tax planning
The fees we charge for our advice are usually based on a percentage-based fee and/or a set dollar amount. The actual fee charged to you (our client) will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how these are payable. However, our initial consultation (where we discuss and discover the scope of your needs) is usually free of charge.
Conflicts of interest
We are here for our clients and aim to advise you as best we can. Your interests are our priority, although we do have business relationships with product providers also. We manage any conflicts of interest by ensuring that we prioritise your interests above our own. The advice we provide is based on understanding your goals and circumstances and providing recommendations which are based on our professional expertise and research. We also have a Register of Conflict which allows us to actively manage any conflicts that arise.
Complaints and disputes process
If you are not satisfied with the services provided by Graeme Ryan Investment Advisers, please contact us directly us so that we can try to fix the problem. Our complaints manager is Graeme Ryan who can be reached on (06) 8441144 or via email firstname.lastname@example.org. He will formally acknowledge your complaint, usually in writing, within two working days and will provide an overview of our resolution processes and what support is available to you.
If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme – the Insurance and Financial Services Ombudsman Scheme (IFSO Scheme). This service will cost you nothing and will help to resolve any disagreements. You can contact the IFSO Scheme by visiting www.ifso.nz or calling 0800 888 202
We are bound by the duties of the Financial Markets Conduct Act (2013) to:
- Meet the standards of competence, knowledge and skills as set out in the Code of Professional Conduct for Financial Advice Services (known as the Code of Conduct). These standards have been designed to ensure that we have the relevant expertise to provide you with good advice.
- Take reasonable steps to ensure that you understand the nature and scope of the advice we give, and let you know if there are any limitations on the advice we provide. This will help you ensure the advice we give aligns with your goals and objectives.
- Give priority to your interests and exercise care, diligence and skill and meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct.
- Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws.
- Make certain disclosure information available at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information.