Adviser Disclosure

I am a Financial Adviser for The Smart Advice Collective. I provide financial advice on behalf of Wealthpoint Limited (FSP678011) which holds a Financial Advice Provider Licence.

Unless detailed in this document, my advice and recommendations will be personalised to your specific situation, considering your goals, personal situation, or your specific needs.

Name: Rachael Thompson

Financial Adviser: FSP476876

Address: 28a Springfield Road, Morningside, Auckland 1022

Phone Number: 021 311 988

Email Address: rachael@smartac.co.nz

Website: https://www.thesmartadvicecollective.co.nz

QUALIFICATIONS

NZ Certificate in Financial Services – Level 5

- Residential Lending (Mortgages)

- Investments

EXPERIENCE

I have been working in Financial Services in NZ and a Financial Adviser since 2013.
I have been accredited in Residential lending (Mortgages) since 2016 and Investments since

August 2026.

SERVICES I CAN ASSIST WITH

Residential Lending (Mortgages): Type of Loan you can use to buy or refinance a property

My Advice is limited to:

• Affordability assessments for new lending, interest only.

• Helping clients with pre-approval for new and existing substituted lending.

• Loan structure recommendations including types of loan products.

• Loan Maintenance recommendations including restructures.

General Financial Advice: Services include Budgeting, Debt Management, Cashflow Management, Goal Setting and Financial Planning, Guidance on Estate Planning, Emergency Fund Planning.

KiwiSaver: A voluntary savings scheme to plan for retirement.

Investments: The investing of money or capital to meet goals and objectives.