Welcome to Garrod Financial, experienced advisers since 1987.

Phone: 06 377 3763

FAP Disclosure

Important Information About Our Business.

Ron Garrod Consultancy Limited, is a Licensed Financial Advice Provider issued by the Financial Markets Authority, to provide financial advice services. Financial Services Provider Number is FSP770972.

Our office contact details:

Phone: 06 377 3763 or 0800254237
Mobile: 027 230 2200
Email: [email protected]

Nature and Scope of Financial Advice Services

  • Kiwi Saver investments
  • Personal and Group insurance (life cover, disability, income protection and trauma).
  • Managed Investments

Product providers we might recommend.

  • Partners Life, AIA, NZ Funds, Cigna.

Our Fees

  • For services in relation to insurance products, commission may be paid by the product provider as follows:
  • Initial commission – a percentage of the value of your insurance premiums between 0% and 180%.
  • Ongoing commission – a percentage of the value of your premiums, usually calculated at the end of each month or on renewal of your insurance product.

Conflicts of Interest and Other Incentives

  • We are here for our clients and to advise you as best we can. Your interests are our priority although we also have business relationships with product providers.
  • From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training.

How we manage any conflict of interest.

  • We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.
  • We maintain a register of conflicts of interest and the gifts and incentives we receive. The register is monitored regularly.
  • We undertake an annual independent Compliance Assurance Review.

Our duties and obligations to you.

  • We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:
  • Meet the standards of competence, knowledge and skill set out in the Code of Conduct.
  • Give priority to the clients’ interest and
  • Exercise care, diligence and skill and
  • Meet the standards of ethical behaviour, conduct and client care set out in the Code of Conduct.

Our internal complaints process.

  • I you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try and fix the problem.
  • The person to contact is Ron Garrod via email at [email protected] or by phone at, 06 377 3763 or 027 230 2200.

Our external complains process.

  • If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme – Financial Services Complaints Limited (FSCL). This service will cost you nothing and help us resolve any disagreement.
  • You can contact FSCL, at:

Address: P.O. Box 5967, Wellington 6140

Phone: 0800 347 257

Email: [email protected] or [email protected]

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